Job Responsibilities
- Underwrite and evaluate commercial lending opportunities in accordance with the Bank’s credit policies, underwriting standards, and regulatory guidelines.
- Conduct financial analysis including cash flow, collateral evaluation, industry trends, and global debt capacity to assess borrower risk and repayment ability.
- Prepare detailed credit memoranda and present financing recommendations to senior credit management or credit committee.
- Structure loan transactions and negotiate terms and conditions within assigned lending authority or recommend approval to the Chief Credit Officer.
- Coordinate with loan operations, closing staff, and legal counsel to ensure approved loans are properly documented and closed in compliance with Bank policies and regulatory requirements.
- Review and process renewals, extensions, and modifications of existing credit facilities while monitoring borrower performance and covenant compliance.
- Perform credit investigations including credit bureau inquiries, lien searches, and UCC filings to confirm creditworthiness and collateral position.
- Monitor loan portfolio performance and identify emerging credit risks, recommending appropriate risk mitigation strategies when necessary.
- Collaborate with legal counsel and special assets teams on problem loans, restructurings, bankruptcies, and charge-offs.
- Support business development efforts by identifying opportunities to cross-sell deposit and treasury management products and services.
- Provide guidance and mentorship to junior credit analysts and underwriting staff.
- Maintain current knowledge of regulatory requirements and accounting standards impacting the loan portfolio, including CECL methodology and credit risk management practices.
KNOWLEDGE, SKILLS AND ABILITIES
- Strong organizational, interpersonal, and communication skills
- Detail oriented, time management skills and ability to multi-task
- Cooperates with management and peers to accomplish team and Bank goals.
- Must be a team player and ability to resolve problems and conflicts
- Proficient in Microsoft Office Products including Word, Excel, and/or Power Point
Preferred Qualifications:
- Bachelor’s degree in Finance or Accounting
- 5 years of financial services experience preferred
Job Type: Full-time
Benefits:
- 401(k)
- Dental insurance
- Health insurance
- Vision insurance
Education:
- Bachelor’s (Preferred)
Experience:
- Underwriting: 5 years (Required)
- Banking: 5 years (Required)
Language:
- Mandarin (Required)
Work Location: In person