Credit Underwriter

Job Description

Job Description

Credit Underwriter

Bank of the Orient is an independent Asian Community Bank that has proudly served the financial needs of multiple San Francisco Bay Area communities for over 55 years and Texas. We are well known for our commitment to providing the highest level of personal service to our customers; we take a personal interest in our communities' unique banking needs, we are dedicated to providing integrity in banking and financial services, we provide high quality dependable service by being accessible and reliable. We are committed to excellence in everything we do.

We have an opening for a Credit Underwriter - ideal candidate will have min. 2 years plus credit underwriting experience in consumer, commercial, construction and/or SBA lending. Position will work with and provide assistance to loan officers in processing and review of credit applications, developing and analyzing credit information, evaluating the creditworthiness of new and existing clients, and preparing credit reports; and prepares accurate summaries, cash flow analyses, presents facts and may offer opinions concerning creditworthiness.

ESSENTIAL DUTIES:

· Analyzes and evaluates creditworthiness of borrowers utilizing Financial and Tax Return Spreads.

· Prepares and summarizes conditions and covenant requirements of borrowers that require bank action.

· Obtains credit reports from agencies, including reporting services, credit bureaus, other financial institutions, and bank files.

· Prepares factual summaries and credit approvals for submission to EP, Chief Credit Officer

· Determines the need for more thorough investigation or additional information contacting appropriate sources for such information.

· Reviews and finalizes the credit approval with the EP, Chief Credit Officer.

· Submits loan proposal to EP, Chief Credit Officer and/or Management Loan Committee for review and approval.

· Assists with the preparation of annual real estate reviews and annual updated financial statements reviews.

· Is familiar with and participates in discussions regarding current banking rules and regulations, trade finance and loan products, and marketing strategy.

Bilingual in Mandarin or Cantonese a Plus

Candidate will be subject to investigation through credit checks, reference checks, background checks and fingerprinting checks performed at the time permissible under relevant law.

Visit our website at: for additional information.

Bank of the Orient is proud to be an Affirmative Action, Equal Opportunity Employer.