Credit Analysis Officer (NE) - Fund Finance

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GENERAL SUMMARY

Conduct financial analysis to assess credit worthiness while following established bank underwriting policies and procedures for capital call / subscription secured and related commercial credit requests as well as other credit opportunities, assist in the maintenance and monitoring of existing credits in the portfolio, responsible for certain administrative duties including reporting.

ESSENTIAL FUNCTIONS

Reviews existing and new loan exposures, proposed extensions of credit and financial information; evaluates credit structure and terms; determines sources and uses of funds; analyzes industry data, competitive factors, historical performance, projected results, risks, and mitigating factors. Reviews and evaluates collateral periodically to minimize credit exposure. With guidance and supervision authors credit approval analysis report. Maintains up-to-date knowledge on all Bank lending policies and regulations. Confers with the appropriate Bank personnel regarding lending requirements and regulations. Supports lending management team by monitoring performance of borrowers, identifying problem credits, and taking a proactive approach toward resolution. Reviews risk grading on an ongoing basis to identify potential credit issues. Escalates potential credit issues to Team Manager, Division Manager and Account Officer.

QUALIFICATIONS

Education: College degree in Finance, Accounting, Business or related field preferred with some level of accounting coursework. Experience: Knowledge of credit, accounting, credit procedures and financial statement analysis. 1-2 years of corporate commercial lending and / or banking experience preferred but not required. A good knowledge of accounting, lending regulations and credit practices are a plus but not required. Skills/Ability: Organizational and analytical skills and strong verbal and written communication skills to present clear and precise recommendations based upon analysis of a loan structure and request. Ability to think intuitively and work independently and in teams and interact effectively with most levels of Bank personnel and outside contacts. Proficient in Microsoft Office (Word, Excel, and Outlook) and financial spreading program.

OTHER DETAILS

$35.43 – $39.81 / hour Pay determined based on job-related knowledge, skills, experience, and location. This position may be eligible for a discretionary bonus. Benefits Cathay Bank offers its full-time employees a competitive benefits package which is a significant part of their total compensation. It is our goal to provide employees with a comprehensive benefits package to fit their needs which includes, coverage for medical insurance, dental insurance, vision insurance, life insurance, long-term disability insurance, and flexible spending accounts (FSAs), health saving account (HSA) with company contributions, voluntary coverages, and 401(k). Cathay Bank may collect personal information from potential job candidates and applicants. For more information on how we handle personal information and your applicable rights, please review our California Job Applicant Privacy Policy. Cathay Bank is an Equal Opportunity and Affi… we welcome applications for employment from all qualified candidates, regardless of race, color, ethnicity, ancestry, citizenship, gender, national origin, religion, age, sex (including pregnancy and related medical conditions, childbirth and breastfeeding), reproductive health decision-making, sexual orientation, gender identity and expression, genetic information or characteristics, disability or medical condition, military status or status as a protected veteran, or any other status protected by applicable law. Poster- English Poster- Spanish Poster- Chinese Traditional Poster- Chinese Simplified Cathay Bank endeavors to make accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact, Mickey Hsu, FVP, Employee Relations Manager, at View phone number on click.appcast.io or View email address on click.appcast.io. This contact information is for accommodation requests only and cannot be used to inquire about the status of applications. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor. #J-18808-Ljbffr Cathay Bank