Credit Analyst
About The Position
Credit Analyst Join Our Team, Shape Your Future At New Omni Bank, we believe in the power of talent and innovation to drive success. As a dynamic and forward-thinking financial institution, we’re always on the lookout for individuals who share our passion for excellence and are ready to make a meaningful impact. About New Omni Bank We were founded in 1980 on a simple idea of helping our neighbors—a community of immigrants in Los Angeles, coming from diverse backgrounds, finding it hard to get precise banking solutions for their unique needs. For over four decades of creativity, innovative thinking, and above all – attentiveness, are the hallmarks of our services. Coupled with our extensive network and on-the-ground expertise, we’ve been the catalyst for countless clients, guiding them to grow and thrive in California, across the Pacific, and at every twist and turn. Our legacy of empowerment is proven by continuous recognitions, like a 5-Star Rating from BauerFinancial, Inc. for over 40 quarters.
Requirements
- Bachelor’s degree in mathematics, accounting, finance, or related field required
- 1+ year of experience in commercial lending, credit analysis, or portfolio management preferred
- Strong communication, analytical, critical thinking, and organization skills
- Proficiency in Microsoft office suite and experience in excel and banking software preferred
- Bilingual required; Chinese and English preferred
Nice To Haves
- advanced degree preferred
- 1+ year of experience in commercial lending, credit analysis, or portfolio management preferred
- experience in excel and banking software preferred
- Chinese and English preferred
Responsibilities
- Monitor the performance of assigned commercial loan accounts, including financial statement tracking, covenant compliance, and risk rating reviews.
- Assist in the preparation of credit memos, annual reviews, and loan renewals by gathering and analyzing financial data, industry trends, and borrower performance.
- Serve as a point of contact for clients regarding loan servicing matters, including disbursements, payments, and documentation requests.
- Track construction project progress, processing construction loan draws, maintain records of disbursements and remaining loan availability, and prepare quarterly reports
- Identify early warning signs of credit deterioration and escalate concerns to Relationship Managers and Credit Officers.
- Ensure all loan files are complete and comply with internal policies, regulatory requirements, and audit standards.
- Prepare and maintain portfolio reports, including delinquency reports, pipeline tracking, and loan maturity schedules.
- Work closely with internal departments and third-party vendors to ensure smooth loan processing and servicing.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
