Credit Analyst

East West Bank; California; On-site; Full time

Job summary

A leading financial institution in California is seeking a Credit Analyst to manage loan portfolios, assess credit risk, and provide financial insights. The role involves collaborating with relationship managers and ensuring compliance with credit policies. Ideal candidates will have a Bachelor's degree and relevant banking experience, particularly in commercial real estate. This position offers a competitive hourly wage, reflecting the candidate's skills and experience.

Qualifications

• 2+ years of banking experience preferred.
• Experience with commercial real estate loans.

Responsibilities

• Manage loan/deposit portfolio for relationship manager/team.
• Analyze financial data to assess loan requests.
• Monitor loan repayments and financial condition of clients.

Skills

Underwriting

Problem Solving

Financial Analysis

Education

Bachelor's degree

Tools

Treasury

FX

Derivative products

Job description

Introduction

Since 1973, East West Bank has served as a pathway to success. With over 110 locations across the U.S. and Asia, we are the premier financial bridge between the East and West. Our teams of experienced, multi-cultural professionals help guide businesses and community members on both sides of the Pacific looking to explore new markets and create new opportunities. Our sustained growth and expertise in industries like real estate, entertainment and media, private equity and venture capital, and high-tech help build sustainable businesses and expand our associates’ potential for career advancement. Headquartered in California, East West Bank (Nasdaq: EWBC) is a top-performing commercial bank with a strong foundation, an enterprising spirit, and a commitment to absolute integrity. East West Bank gives people the confidence to reach further.

Overview

East West Bank is seeking a Credit Analyst.

Responsibilities

1. Manage and oversee loan/deposit portfolio for relationship manager/team.
2. Review existing credits with the team.
3. Perform administrative duties required for maintaining a portfolio of clients.
4. Ensure portfolio administration and risk management are in compliance with EWB credit policies, procedures, business strategy, and regulatory guidelines.
5. Co-manage commercial relationships by analyzing financial data to assess loan requests, recommend structures, and manage client relationships, as appropriate to experience.
6. Be responsible for credit risk and the quality of the portfolio.
7. Assist with due diligence and analysis on new client relationships and opportunity memos.
8. Partner with the Relationship Manager as the primary contact for the client; liaising with the Credit Department, support staff, and other internal partners.
9. Provide advice to clients regarding business environment trends, capital markets, and banking trends, as appropriate.
10. Monitor loan repayments and financial condition of clients; take necessary actions for collections and ongoing repayment assessments. May assume overall responsibility for credit quality.
11. Participate in the bank's Loan Approval Process by making presentations on specific loans and recommending approval and structuring.
12. Manage the renewal process in collaboration with the Relationship Manager, client, and Credit Department.
13. Act as a contact for non-borrowing accounts and loan clients regarding banking services.
14. Participate in community and business functions to promote a positive bank image.
15. Perform other duties and projects as needed.

Qualifications

1. Bachelor's degree or equivalent combination of education and experience.
2. Ideally 2+ years of banking experience.
3. Experience with commercial real estate loans and understanding of the gaming industry.
4. Strong underwriting and projection skills.
5. Understanding of credit policies and procedures, with the ability to risk-rate loans accurately, evaluating cash flow and collateral.
6. Capability to develop problem loan solutions.
7. Knowledge of Treasury, FX, and Derivative products, with demonstrated ability to coordinate bank resources for comprehensive solutions.

Compensation

The base pay range for this position is USD $20.00/Hr. - USD $30.00/Hr. Exact offers will depend on job-related knowledge, skills, experience, and location.