AVP, Loan Review Officer

Cathay Bank • El Monte, CA

90d • $90,000 - $105,000

About The Position

At Cathay Bank, we strive to provide a caring culture that supports your aspirations and success. We believe people are our most valuable asset and we proudly foster growth and development empowering you to achieve your professional goals. We have thrived for 60 years and persevered through many economic cycles due to our team members’ drive and optimism. Together we can make a difference in the financial future of our communities. The position involves analyzing loans for credit quality and adherence to bank policy, acting as Examiner-In-Charge of assigned lending unit reviews, and preparing comprehensive reports for distribution to management.

Requirements

• Bachelor’s degree in accounting, business administration, finance, or economics preferred.
• 3-5 years of commercial lending experience with at least three years in a credit/loan review function.
• Experience as a bank examiner, or with a consulting/accounting firm is also acceptable.
• Thorough understanding of analyzing various types of commercial and middle market credits.
• Strong interpersonal skills, verbal and written communication skills, and project management skills.
• Thorough knowledge and operational skills in the use of computers and various software packages, including Excel and Word.

Nice To Haves

• Experience in specialized lending such as asset-based lending (ABL), energy (including oil & gas), shared national credits (SNC), and syndicated lending.
• Previous experience in leading teams responsible for credit analysis and assessment.

Responsibilities

• Assess the accuracy of assigned internal credit risk ratings, non-compliance with Bank policies and procedures, loan weaknesses and violations of laws and regulations.
• Assist in the development and execution of the annual Loan Review Plan for comprehensive portfolio reviews.
• Perform risk-based reviews of Bank loan portfolios to identify current or potential problems.
• Identify, recommend and effect process changes related to credit risk management activities.
• Interpret and evaluate Bank Credit Policy and assure that proper credit controls are in place.
• Act as internal advisor/partner to Bank's line units regarding loan and credit matters.
• Prepare departmental reports and other portfolio reporting as requested by management.
• Participate in due diligence reviews for portfolio acquisitions and mergers.

Benefits

• Sign On Bonus if hired before December 31, 2025.
• $90K – $105K / year based on job-related knowledge, skills, experience, and location.
• Discretionary bonus eligibility.
• Medical insurance, dental insurance, vision insurance, life insurance, long-term disability insurance.
• Flexible spending accounts (FSAs), health saving account (HSA) with company contributions.
• Voluntary coverages and 401(k).

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree