Commercial Credit Officer: Underwriting & Risk Analysis

Hanmi Bank; California (MO); On-site; USD 69,000 - 113,000; Full time

Benefits offered by this job

Comprehensive benefits package

Paid time off

Bonus eligibility

Job summary

Hanmi Bank in Los Angeles, CA is seeking a Credit Officer to underwrite and analyze loan requests across Commercial, SBA, Real Estate, and Equipment Leasing. You will prepare loan submissions, perform cash flow analyses, and present to loan committees.

The role requires adherence to bank policies and regulatory compliance, with a focus on minimizing credit risk. The position involves site visits, borrower interviews, and collaboration with account officers and processing teams to ensure accurate

Qualifications

• Bachelor’s degree and 3+ years in commercial or SBA lending.
• Experience with cash flow analysis and property valuation methods.
• Ability to present written credit memorandums and defend recommendations.

Responsibilities

• Assist with credit presentations including financial spreads, covenant testing, collateral analysis and ratings.
• Evaluate property sponsorship and global cash flow on deals.
• Conduct site visits and borrower interviews.
• Prepare approval memorandums and validate risk ratings per policy.
• Support senior officers to analyze complex loans and develop credit information.

Skills

Credit analysis

Financial statement analysis

Cash flow analysis

Credit risk assessment

Loan underwriting

Portfolio monitoring

Education

Bachelor’s degree

Tools

Mainframe computer system

Excel

Company approved software

Job description

Hanmi Bank in Los Angeles, CA is seeking a Credit Officer to underwrite and analyze loan requests across Commercial, SBA, Real Estate, and Equipment Leasing. You will prepare loan submissions, perform cash flow analyses, and present to loan committees.

The role requires adherence to bank policies and regulatory compliance, with a focus on minimizing credit risk. The position involves site visits, borrower interviews, and collaboration with account officers and processing teams to ensure accurate