Credit Analyst-Structured Finance

Bank of Hope•New York, NY

1d•$31 - $36

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, client research, credit analysis, customer due diligence, loan origination and closing, and account maintenance. The role works with relationship management teams during deal origination and loan amendments or modifications, and helps coordinate internal and external stakeholders to support account opening and the loan lifecycle. The position requires compliance with bank policies and regulatory requirements. With moderate direction and guidance, the analyst proactively performs due diligence and prepares credit analyses for new transactions and loan changes; reviews covenant reports and maintains compliance ticklers and the Globalwave database; conducts KYC/AML/OFAC/USA PATRIOT Act due diligence; and supports portfolio managers, underwriters, and relationship managers. The analyst also assists with loan closing, booking and funding, ongoing account maintenance, loan syndication site upkeep for Lead Admin agent deals, and episodic projects such as audits and policy reviews. The role is expected to align with Bank of Hope core values.

Requirements

Bachelor’s degree in Finance, Accounting, or a related field.
0–2 years of job experience.
Role-appropriate knowledge of corporate banking, credit, and related policies and procedures.
Role-appropriate knowledge of banking regulations 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 to 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 to manage 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.
Oversee covenant compliance, including reviewing and verifying financial covenant reports, and maintain the tickler and 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, loan lifecycle activities, account opening, and ongoing account maintenance.
Maintain the loan syndication site for Lead Admin agent deals.
Assist with episodic projects, including internal and external audits and credit policy and procedure reviews.
Align with Bank of Hope core values.