AVP Credit Analysis Officer

Cathay Bank•El Monte, CA

About The Position

The AVP Credit Analysis Officer participates in the loan management process by providing credit and loan analytical expertise, with a focus on C&I/ABL transactions, to a team of Commercial Loan Officers. The role analyzes prospective loan transactions and borrowers’ creditworthiness, prepares credit analyses, and provides opinions and recommendations about proposed credit and potential risks to the credit and collateral. It ensures due diligence and financial and background evaluations are complete and thorough so a loan request can be considered for credit approval.

Requirements

Working knowledge of credit, accounting, credit procedures, and financial statement analysis.
3–5 years of experience analyzing and underwriting varying levels of complex commercial credit, including C&I or ABL transactions.
Experience analyzing financial statements and cash flow; familiarity with various industries, collateral issues and values, loan structuring, and guarantor personal financial statements and tax returns.
At least 3–5 years of actual authorship of credit approval reports.
Good knowledge of commercial credit policies and procedures.
Excellent organizational and analytical skills.
Good verbal and written communication skills to present clear, precise recommendations based on analysis of loan structure and requests.
Ability to work independently and in teams and interact effectively with most levels of Bank personnel and outside contacts.
Proficiency in Microsoft Office (Word, Excel, and Outlook) and a financial spreading program such as CASH Insight.

Nice To Haves

College degree in Finance, Accounting, Business, Economics, or a related field.
MBA.
Accounting coursework.

Responsibilities

Review existing and new loan exposures, proposed extensions of credit, and financial information; evaluate credit structure and terms; determine sources and uses of funds; and analyze industry data, competitive factors, historical performance, projected results, risks, and mitigating factors.
At the direction of the Team Manager and/or in coordination with the Account Officer, contact borrowers as appropriate to obtain additional information or clarify loan requests and financial materials.
Periodically review and evaluate collateral to minimize credit exposure.
Recommend credit alternatives and ways to structure credits while ensuring transactions meet profitability and portfolio risk standards.
Author credit approval analysis reports.
Maintain up-to-date knowledge of Bank lending policies and regulations.
Consult appropriate Bank personnel about new and existing lending requirements and regulations.
Review risk grading as appropriate to identify potential credit issues.
Escalate potential credit issues to the Team Manager, Division Manager, and Account Officer.