SVP, Sr. Credit Administrator
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About The Position
As a Senior Credit Administrator at Cathay Bank, you will play a pivotal role in providing guidance and leadership to other Credit Administrators while ensuring the integrity of the bank's credit activities. Your primary responsibility will be to conduct thorough credit reviews and evaluations for assigned commercial borrowers, ensuring compliance with the bank's regulatory credit specifications. This position requires a collaborative approach, working closely with Lending Teams, including Team Managers and Portfolio Managers, to assess proposed new and renewal extensions of credit. You will focus on the quality and analysis of the credit presented, approving extensions of credit within your authorized limits. In addition to credit evaluation, you will develop alternative strategies in collaboration with account officers to address complex lending situations. You will prepare transaction summaries for credit extensions that require approval from the Bank's Board of Directors and manage past due loans, assisting in problem loan situations. Your role will also involve updating the monthly watch list report for your assigned portfolio and ensuring accurate risk ratings. As a mentor and resource for other Credit Administrators, you will share your experience and knowledge, helping them acclimate to the bank's culture and job functions. You will provide guidance on credit structuring, early detection of problem loans, and enhance the lending staff's understanding of credit risk assessment. Additionally, you will support documentation for complex loan transactions and perform quality control reviews of loan files and documents. Training and mentorship for junior staff within various Lending Teams will also be a key aspect of your role.
