Credit Analysis Officer (NE) - Fund Finance

Cathay Bank in; El Monte (CA); On-site; USD 49,000 - 55,000; Full time

Benefits offered by this job

Discretionary bonus

Benefits package

Job summary

Cathay Bank is seeking a Credit Analysis Officer for the Fund Finance team in California. The role focuses on evaluating creditworthiness, underwriting loans, and monitoring existing exposures with a strong emphasis on financial statement analysis and risk assessment.

The position offers a comprehensive benefits package, discretionary bonus potential, and opportunities for professional growth within a supportive, people-driven culture.

Qualifications

• College degree in Finance, Accounting, Business or related field preferred with accounting coursework.
• 1-2 years of corporate commercial lending and/or banking experience preferred but not required.
• Knowledge of credit, accounting, credit procedures and financial statement analysis.
• Strong verbal and written communication skills.

Responsibilities

• Reviews existing and new loan exposures, proposed extensions of credit and financial information; evaluates credit structure and terms; determines sources and uses of funds; analyzes industry data, competitive factors, historical performance, projected results, risks, and mitigating factors.
• Reviews and evaluates collateral periodically to minimize credit exposure.
• With guidance and supervision authors credit approval analysis report.
• Maintains up-to-date knowledge on all Bank lending policies and regulations.
• Confers with the appropriate Bank personnel regarding lending requirements and regulations.
• Supports lending management team by monitoring performance of borrowers, identifying problem credits, and taking a proactive approach toward resolution.
• Reviews risk grading on an ongoing basis to identify potential credit issues.
• Escalates potential credit issues to Team Manager, Division Manager and Account Officer.

Skills

Credit analysis

Financial statement analysis

Microsoft Office

Communication skills

Teamwork

Analytical skills

Education

College degree in Finance, Accounting, Business or related field preferred with accounting coursework

Tools

Microsoft Excel

Financial spreading program

Job description

Credit Analysis Officer (NE) - Fund Finance (Finance)

People Drive Our Success

Are you enthusiastic, highly motivated, and have a strong work ethic? If yes, come join our team! At Cathay Bank – we strive to provide a caring culture that supports your aspirations and success. We believe people are our most valuable asset and we proudly foster growth and development empowering you to achieve your professional goals. We have thrived for 60 years and persevered through many economic cycles due to our team members' drive and optimism. Together we can make a difference in the financial future of our communities.

Conduct financial analysis to assess credit worthiness while following established bank underwriting policies and procedures for capital call / subscription secured and related commercial credit requests as well as other credit opportunities, assist in the maintenance and monitoring of existing credits in the portfolio, responsible for certain administrative duties including reporting.

ESSENTIAL FUNCTIONS

• Reviews existing and new loan exposures, proposed extensions of credit and financial information; evaluates credit structure and terms; determines sources and uses of funds; analyzes industry data, competitive factors, historical performance, projected results, risks, and mitigating factors.
• Reviews and evaluates collateral periodically to minimize credit exposure.
• With guidance and supervision authors credit approval analysis report.
• Maintains up-to-date knowledge on all Bank lending policies and regulations.
• Confers with the appropriate Bank personnel regarding lending requirements and regulations.
• Supports lending management team by monitoring performance of borrowers, identifying problem credits, and taking a proactive approach toward resolution.
• Reviews risk grading on an ongoing basis to identify potential credit issues.
• Escalates potential credit issues to Team Manager, Division Manager and Account Officer.

QUALIFICATIONS

• Education: College degree in Finance, Accounting, Business or related field preferred with some level of accounting coursework.
• Experience: Knowledge of credit, accounting, credit procedures and financial statement analysis. 1-2 years of corporate commercial lending and / or banking experience preferred but not required. A good knowledge of accounting, lending regulations and credit practices are a plus but not required.
• Skills/Ability: Organizational and analytical skills and strong verbal and written communication skills to present clear and precise recommendations based upon analysis of a loan structure and request. Ability to think intuitively and work independently and in teams and interact effectively with most levels of Bank personnel and outside contacts. Proficient in Microsoft Office (Word, Excel, and Outlook) and financial spreading program.

OTHER DETAILS

$35.43 – $39.81 / hour
Pay determined based on job-related knowledge, skills, experience, and location.
This position may be eligible for a discretionary bonus.

Cathay Bank offers itsfull-time employees a competitive benefits package which is a significant part of their total compensation. It is our goal to provide employees with a comprehensive benefits package to fit their needs which includes, coverage for medical insurance, dental insurance, vision insurance, life insurance, long-term disability insurance, and flexible spending accounts (FSAs), health saving account (HSA) with company contributions, voluntary coverages, and 401(k).

Cathay Bank may collect personal information from potential job candidates and applicants. For more information on how we handle personal information and your applicable rights, please review our California Job Applicant Privacy Policy.

Cathay Bank is an Equal Opportunity and Affinity Action Employer. We welcome applications for employment from all qualified candidates, regardless of race, color, ethnicity, ancestry, citizenship, gender, national origin, religion, age, sex (including pregnancy and related medical conditions, childbirth and breastfeeding), reproductive health decision‑making, sexual orientation, gender identity and expression, genetic information or characteristics, disability or medical condition, military status or status as a protected veteran, or any other status protected by applicable law.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

Cathay Bank endeavors to makewww.CathayBank.com accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact, Mickey Hsu, FVP, Employee Relations Manager, at [phone] [e-mail]. This contact information is for accommodation requests only and cannot be used to inquire about the status of applications.