AVP, Credit Analysis Officer

GENERAL SUMMARY

Participates in the loan management process by providing credit and loan analytical expertise with a focus on C&I, Owner Occupied Real Estate and Franchise lending transactions to a team of Commercial Relationship Managers. Analyzes prospective loan transactions and credit worthiness of borrowers. Prepares credit analysis and provides opinions and recommendations regarding proposed credit and potential risks to both the credit and collateral securing the transactions. Ensures all due diligence, financial and background evaluation is complete and thorough on a loan request so credit approval can be considered.

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.
• At the direction of the Team Manager and/or in concert with the Relationship Manager, contacts borrowers directly, as appropriate, for additional information and details related to loan requests or clarification of financial materials and resources.
• Reviews and evaluates collateral periodically to minimize credit exposure.
• Recommends credit alternatives and creative ways to structure credits ensuring that transactions are within profitability and portfolio risk standards.
• Authors credit approval analysis report.
• Maintains up-to-date knowledge on all Bank lending policies and regulations.
• Confers with the appropriate Bank personnel regarding new/existing lending requirements and regulations.
• Reviews risk grading as appropriate to credit analysis to identify potential credit issues.
• Escalates potential credit issues to Team Manager, Division Manager and Relationship Manager.

QUALIFICATIONS

• Education: College degree in Finance, Accounting, Business, Economics or related field preferred. MBA a plus. Some level of accounting coursework is required.
• Experience: 3-5 years of working experience in analyzing and underwriting varying levels of complex commercial credit (C&I or ABL transactions), which includes analyzing financial statements, cash flow analysis, familiarity with various industries, collateral issues and values, loan structuring and analysis of guarantor personal financial statements and tax returns. Minimum 3-5 years of actual authorship of credit approval report. Working knowledge of credit, accounting, credit procedures and financial statement analysis.
• Skills/Ability: Good knowledge of commercial credit policies and procedures. Excellent organizational and analytical skills. Good verbal and written communication skills to present clear and precise recommendations based upon analysis of a loan structure and request. Ability to work independently and in teams and interact effectively with all levels of Bank personnel and outside contacts. Proficient in Microsoft Office (Word, Excel, and Outlook) and financial spreading programs such as CASH Insight.

OTHER DETAILS

$75K - $95K / year
Pay determined based on job-related knowledge, skills, experience, and location.
This position may be eligible for a discretionary bonus.

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).

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