Credit Analyst

Hanmi Bank • La Palma, CA

10h

About The Position

The position of Credit Analyst is responsible for managing the Commercial, C&I, SBA, Real Estate Lending, Consumer and Commercial Equipment Leasing loan process and preparation of relationship global cash flow analysis and Management Reporting. This role supports the Company’s Lending units with Credit memorandums and financial analysis of new and existing lending relationships. The Credit Analyst ensures compliance with established Bank policies and procedures and demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to GLBA, Regulation Z, Regulation DD, Regulation B, Dodd–Frank Wall Street Reform and Consumer Protection Act, Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act.

Requirements

• Bachelor's degree highly preferred; High school diploma and/or 1+ plus years 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.
• Able to handle multiple transactions at once and work well in a team-oriented environment.
• Strong customer service skills, relationship development and management skills.
• Basic skills in computer terminal and personal computer operation; mainframe computer system; word processing and spreadsheet software programs.
• Intermediate typing skills to meet production needs of the position.
• Basic math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Good verbal, written and interpersonal communication skills, with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Ability to work with no supervision while performing duties.

Nice To Haves

• Commercial real estate and/or SBA analysis/underwriting experience a plus

Responsibilities

• Identifies, collects, and analyzes credit analysis and global cash flow to assess credit risk.
• Conducts site visits, meetings, and interviews with borrowers.
• Prepares file approval memorandums summarizing results and validates Credit Risk Ratings in compliance with the Company’s policy and procedures.
• Monitors delinquencies, covenant compliance, etc.
• Supports commercial lending in other credit matters as assigned.
• Contacts borrowers to obtain additional supporting information.
• Prepares spreadsheets and calculates appropriate rations and other financial information.
• Provides direct support to Senior Credit Officers/Credit Manager to develop and analyze all relevant credit information in conjunction with account officers pertaining to more complex commercial and business loans.
• Maintains knowledge of the Bank’s underwriting and lending guidelines.
• Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
• Follows policies and procedures; completes tasks correctly and on time; supports the company’s goals and values.
• Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct.
• Performs duties specific to the position and other functions as assigned.

Benefits

• Comprehensive benefits package (may include vacation leave; paid holidays; medical, dental, vision, life and disability insurance packages for employees and dependents; various other voluntary benefit offers, and optional retirement accounts).
• Paid sick time off.
• Bonus, stock, commissions, and incentives (at the Company’s sole discretion).

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 251-500 employees