Credit Analyst-Structured Finance

Bank of Hope•New York, NY

About The Position

The Credit Analyst supports Corporate & Institutional Banking (CIB) lenders and lending units with credit risk and financial crime compliance, loan and deposit operations, and related account activities. The role works with relationship management teams during deal origination and loan amendments or modifications, conducts client research, prepares detailed credit analyses for deal screens and credit applications, and supports customer due diligence, including KYC. With moderate direction and guidance, the analyst performs due diligence on new transactions and loan amendments or modifications; prepares credit analyses; reviews financial covenant reports and maintains covenant ticklers and the Globalwave database; and completes KYC/AML/OFAC/USA PATRIOT Act due diligence and analysis. The role also supports portfolio managers, underwriters, and relationship managers; coordinates account opening and loan closing, booking, and funding; maintains credit documentation and files; and supports ongoing account and loan maintenance. Additional duties include maintaining loan syndication sites for Lead Administrative Agent deals and assisting with audits and reviews of credit policies and procedures. The position requires compliance with bank policies and regulatory requirements and alignment with Bank of Hope's core values.

Requirements

Bachelor’s degree in Finance, Accounting, or a related field.
0–2 years of prior job experience.
Role-appropriate knowledge of Corporate Banking, credit, and related policies and procedures.
Role-appropriate knowledge of banking and state and federal regulations.
Role-appropriate knowledge of regulatory and financial crime compliance.
Thorough understanding of accounting principles, financial statements, and cash flow analysis.
Ability to work independently and proactively complete credit-related tasks, obtain documentation, conduct due diligence research, and complete customer onboarding, loan closing, account opening, and maintenance tasks.
Strong time-management skills and ability to work under pressure within time constraints.
Strong verbal communication and interpersonal skills for managing internal and external relationships.

Responsibilities

Perform due diligence on new transactions and loan amendments or modifications.
Prepare detailed credit analyses for new loan applications and loan amendments or modifications.
Review and verify financial covenant reports, oversee covenant compliance, and maintain ticklers and the Globalwave database.
Complete KYC/AML/OFAC/USA PATRIOT Act due diligence and analysis, including assembling the KYC/BSA package.
Support portfolio managers, underwriters, and relationship managers, including maintaining credit documentation and files in Globalwave.
Coordinate with internal support groups on deal closing, booking, funding, account opening, and ongoing loan and account maintenance.
Maintain the loan syndication site for Lead Administrative Agent deals.
Assist with episodic projects, including internal and external audits and reviews of credit policies and procedures.
Comply with bank policies and regulatory requirements.