Credit Analyst

Hanmi Bank • Los Angeles, CA

2d • $45,800 - $65,000

About The Position

The Credit Analyst manages the commercial, C&I, SBA, real estate lending, consumer, and commercial equipment leasing loan process. The position prepares relationship global cash flow analyses and management reporting, and supports the Company’s lending units with credit memorandums and financial analysis for new and existing lending relationships.

The role ensures compliance with established Bank policies and procedures and applicable state and federal laws and regulations, including GLBA, Regulations Z, DD, and 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 Credit Analyst works with borrowers, account officers, Senior Credit Officers, and the Credit Manager to assess credit risk, prepare and monitor loan documentation and analyses, and support commercial lending matters. The position also requires ethical conduct, respect for diversity, adherence to company policies and values, and safe work practices.

The expected annual salary range is $45,800–$65,000. Salary is based on the candidate’s experience, education, skills, and abilities. Successful candidates may be eligible for bonuses, stock, commissions, and incentives at the Company’s discretion. A comprehensive benefits package varies by position; all employees receive paid sick time, and position-dependent packages may include vacation leave, paid holidays, medical, dental, vision, life and disability insurance, other voluntary benefits, and optional retirement accounts. The application window is expected to close February 1, 2027.

Requirements

• Bachelor’s degree is 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, mainframe, word-processing, and spreadsheet software skills.
• 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; finding routine mathematical errors; computing rates, ratios, and percentages; and drafting and interpreting bar graphs.
• Good verbal, written, and interpersonal communication skills; ability to apply common sense to instructions, instruct and train others, write reports, correspondence, and procedures, and speak clearly with customers and employees.
• Ability to handle complex problems with multiple facets and variables in non-standardized situations.
• Ability to work without supervision while performing duties.

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 compliance 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.
• Support Senior Credit Officers and the Credit Manager in developing and analyzing relevant credit information with account officers for 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 the EEO policy, respect cultural differences, promote a workplace free from harassment, and support diversity and affirmative action.
• Follow policies and procedures, complete tasks correctly and on time, and support company goals and values.
• Perform duties safely, report potentially unsafe conditions, and comply with applicable occupational safety and health 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: vacation leave; paid holidays; medical, dental, and vision insurance; 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 discretion.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level