Credit Analyst

CTBC Bank Corp USA•Los Angeles, CA

1d•Onsite

About The Position

The Credit Analyst will monitor and maintain standard loan portfolio processes, procedures, and practices within the assigned team, focusing on credit risk, transaction risk, and compliance risk. This role involves analyzing and evaluating risks, conducting risk selection, overseeing individual loan risks, controlling loan approval quality, and administering loan performance.

Requirements

Ability to analyze, underwrite, and administer C&I loan portfolios.
Strong credit and financial analyzing, underwriting, sales, customer service, and communication skills.
Ability to apply computer software programs in evaluating financial information and maintaining loan information.
Attention to detail, strong organizational, communication, interpersonal, self-motivated, and analytical skills, ability to interact with all levels of management and staff.

Nice To Haves

Master or Bachelor’s degree in Finance, Economics, or Business-related field is preferred.
1-3 years of experience in dealing with C&I loans is preferred
Formal credit training and CFA or related certification is preferred.

Responsibilities

Monitor and maintain the overall loan portfolio processes, procedures, and practice to support Team Leader.
Work with Team Leader on specific projects including portfolio reviews, updating of credit processes within the portfolio, risk rating policy, etc.
Independently analyze and evaluate the risks in the segment, conduct the risk selection, oversee the risk of individual loans, control the quality of loan approvals, and administer the performance of loan continues.
Review loan packages and analyze credit information, making the detailed assessment of an applicants’ creditworthiness.
Measure credit risks, portfolio stress tests, and analyze collaterals as applicable to loan structure and terms.
Analyze financial conditions and operating results of applicants to ensure adequate line limits and usage.
Perform other duties as assigned.