Credit Reviewer II

East West Bank•San Francisco, CA

About The Position

East West Bank’s Independent Asset Review (IAR) is an independent Third Line of Defense function, separate from lending, approval, and administration. IAR provides senior management and the risk committee with independent, objective assessments of credit quality to help ensure accurate risk ratings, adherence to policies and procedures, effective credit risk management, and compliance with regulatory expectations. The Credit Reviewer II will review Commercial Real Estate (CRE) and Commercial & Industrial (C&I) lending across diverse industry sectors. The role assesses and challenges credit risk ratings and administration, communicates review outcomes in writing and verbally to IAR senior leadership and business-line stakeholders, and supports early identification of emerging risks when assigned to continuous portfolio monitoring.

Requirements

At least seven years of experience in credit risk, commercial banking or underwriting, regulatory work, or consulting.
Clear understanding of credit principles and strong knowledge of credit risk analysis, underwriting, and portfolio management methodologies.
Familiarity with the U.S. regulatory environment.
Strong verbal and written communication skills, including the ability to identify and articulate evidence-based findings.
Proficiency with Microsoft Windows, Microsoft Office, and related PC applications.
Ability to build credible relationships with management and external parties, including examiners, external auditors, and vendors.
Awareness of review planning memoranda, including identifying and evaluating key risks, setting review scope, and determining budgets and staff assignments.
Flexibility in adapting to new ideas, processes, and procedures.
Ability to contribute in a collaborative, team-oriented work environment and manage multiple priorities in a fast-paced environment.
Detail-oriented, organized, self-motivated, and able to meet deadlines.
Legal authorization to work in the United States; visa sponsorship is not offered.

Nice To Haves

Formal credit training.
A Bachelor's or Master’s degree, preferably in Accounting, Finance, Business, Economics, or a related field.
Other industry-recognized professional certifications.

Responsibilities

Evaluate borrower credit conditions by assessing financial performance and validating the accuracy of risk ratings.
Evaluate the quality of credit risk assessments and front-line credit approval documents, and assess whether credit decisions comply with internal lending policies, procedures, and regulatory requirements.
Evaluate the effectiveness of credit risk monitoring, including covenants, triggers, and ongoing oversight.
Evaluate the adequacy and completeness of third-party collateral reports, loan documents, and collateral documents, such as UCC filings and deeds of trust.
Identify deviations from policies, procedures, or guidelines; determine their materiality; and prepare clear, well-supported review observations and findings.
Document review results and support conclusions sufficiently to ensure work papers are complete and self-explanatory to an equally qualified reviewer, internal auditors, and external auditors.
Maintain knowledge of IAR policies and procedures, Bank loan products, lending policies and practices, and federal and state banking regulations related to credit risk management and governance.
If assigned, continuously monitor product-based portfolios and provide quarterly assessments to support early identification of emerging risks.
Maintain deep knowledge of assigned portfolios, industries, and risk trends.
Build rapport with Relationship Managers, their teams, and other Bank departments to conduct reviews professionally and efficiently with minimal disruption to Bank operations.
Perform other duties as assigned.