Credit Analyst

Hanmi Bank • Los Angeles, CA

6d

About The Position

The Credit Analyst manages the commercial, C&I, SBA, real estate lending, consumer, and commercial equipment leasing loan process, including preparing relationship global cash flow analyses and management reporting. The role supports the Company’s lending units by preparing credit memorandums and conducting financial analyses of new and existing lending relationships. It ensures compliance with established Bank policies and procedures and applicable state and federal laws and regulations, including GLBA, Regulation Z, Regulation DD, Regulation B, the Dodd–Frank Act, elder abuse laws, the Bank Secrecy Act and USA PATRIOT Act, anti-money laundering and Customer Information Program requirements, the Right to Financial Privacy Act, and the Community Reinvestment Act.

The position also supports commercial lending matters as assigned, works with borrowers and lending staff to obtain and analyze credit information, and follows the Bank’s underwriting and lending guidelines. The role requires ethical conduct, respect for others, support for equal employment opportunity and diversity, and adherence to workplace safety standards.

Requirements

• Bachelor’s degree highly preferred; alternatively, a high school diploma and/or at least one year of work experience and/or training in commercial or SBA lending, specifically property cash flow analysis and appraisal valuation methods.
• Strong problem-solving, analytical, and decision-making skills.
• Ability to handle multiple transactions at once and work well in a team-oriented environment.
• Strong customer service, relationship development, and relationship management skills.
• Basic computer terminal, personal computer, and mainframe computer skills, including word-processing and spreadsheet software.
• Intermediate typing skills to meet production needs.
• Basic math skills, including calculating interest, commissions, proportions, and percentages; balancing accounts; performing arithmetic with whole numbers, fractions, and decimals; identifying routine mathematical errors; and computing and interpreting rates, ratios, percentages, and bar graphs.
• Good verbal, written, and interpersonal communication skills; ability to follow instructions, instruct and train others, write reports, correspondence, and procedures, and communicate clearly with customers and employees.
• Ability to address complex problems involving multiple facets and variables in non-standardized situations.
• Ability to perform duties without supervision.

Nice To Haves

• Commercial real estate and/or SBA analysis or underwriting experience.

Responsibilities

• Identify, collect, and analyze credit information and global cash flow to assess credit risk.
• Conduct site visits, meetings, and interviews with borrowers.
• Prepare file approval memorandums summarizing results and validate Credit Risk Ratings in accordance with Company policy and procedures.
• Monitor delinquencies and covenant compliance.
• Support commercial lending in other credit matters as assigned.
• Contact borrowers to obtain additional supporting information.
• Prepare spreadsheets and calculate appropriate ratios and other financial information.
• Provide direct support to Senior Credit Officers and the Credit Manager in developing and analyzing relevant credit information with account officers on more complex commercial and business loans.
• Maintain knowledge of the Bank’s underwriting and lending guidelines.
• Treat people respectfully, keep commitments, work ethically and with integrity, uphold organizational values, and accept responsibility for actions.
• Adhere to EEO policy, respect cultural differences, promote a work environment free of harassment, and support workforce diversity and affirmative action.
• Follow policies and procedures, complete tasks correctly and on time, and support Company goals and values.
• Perform work safely, report potentially unsafe conditions, and comply with applicable OSHA standards and rules.
• Perform position-specific duties and other functions as assigned.

Benefits

• Paid sick time off for all employees.
• Depending on the position offered, benefits may include vacation leave, paid holidays, medical, dental, vision, life, and disability insurance for employees and dependents, other voluntary benefits, and optional retirement accounts.
• Successful candidates may be eligible for bonus, stock, commissions, and incentives at the Company’s sole discretion.

What This Job Offers

• Job Type: Full-time