Credit Analysis Officer Information

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Cathay General Bancorp

In 1962, Cathay Bank opened for business with the mission of providing financial services to the growing but underserved Chinese-American community in the greater Los Angeles area, thus becoming the first Chinese-American bank in Southern California. Recognizing that the community it served was part of a more diverse one, Cathay Bank adopted the motto "An Open Door for All." Its rapid expansion was fueled by successive waves of immigration, burgeoning trade between America and Asia, and the e... Read More

Address	Cathay Bank Loan Servicing Department EL-3-A 9650 Flair Drive, El Monte, CA 91731
Website	/www.cathaybank.com/
Holding	No Holding Details

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Credit Analysis Officer

Reviews existing loan exposure, 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 and/or in concert with the Account Officer, contacts borrowers directly, as appropriate, for additional information and details related to loan request or clarification of financial materials and resources.
Recommends credit alternatives and creative ways to structure credits ensuring that transactions are within profitability and portfolio risk standards.
Authors credit approval analysis report.
Confers with the appropriate Bank personnel regarding new/existing lending requirements and regulations.
Supports lending management team by monitoring performance of borrowers, identifying problem credits, and taking a proactive approach toward resolution.

Basic Requirements:

College degree in Business Administration or a related field preferred.
Minimum five years of experience in analyzing or underwriting medium sized and complex commercial credit, which includes analyzing financial statements, cash flow analysis, familiarity with various industries, collateral issues and values, loan structuring and guarantor personal financial statements and tax returns.
Excellent knowledge of commercial credit policies and procedures. Excellent credit analysis and accounting skills.
Strong ability to communicate skillfully and effectively in both verbal/written forms.
Good organizational skills.
Ability to assume responsibility and accountability for decision making.
Ability to work well independently and in teams and interact effectively with all levels of Bank personnel and outside contacts.
Works with the Account Officers in structuring creative deals and determining

Other Job Information

Vacancy type:	Full Time	Contact Mode:	not provided
Fax:	not provided	Contact Name:	not provided
Job Duration:	not provided	Phone:	(1-800-922-8429)
Email:	not provided