Credit Analyst

Cathay Bank in; Houston (TX); On-site; USD 63,000 - 70,000; Full time

Benefits offered by this job

Full-time employment

Job summary

Cathay Bank is seeking an Analyst to assist in underwriting and monitoring the Energy Group Portfolio in Houston. You will work closely with the Portfolio Manager, supporting underwriting and, when possible, business development for energy lending prospects.

Ideal candidates have 1–2 years of underwriting experience, strong credit analysis skills, and the ability to collaborate with engineers and bank staff to maximize credit quality while ensuring regulatory compliance.

Qualifications

• 1–2 years of loan underwriting experience or willingness to be trained.
• Must understand bank credit policy, risk management, underwriting requirements, and loan servicing.
• Strong knowledge of commercial and specialty group banking products and services or willingness to learn.

Responsibilities

• Monitor and manage credit quality of the Energy Group Portfolio with PM and Team Manager.
• Collaborate with third‑party petroleum engineers on Reserve Based Loans to assess engineering evaluations.
• Develop knowledge of Oil & Gas and Renewable Energy lending prospects.

Skills

Loan underwriting

Credit analysis

Communication skills

Bilingual English/Mandarin

Education

College degree

Job description

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.

Analyst is responsible for assisting in the underwriting and monitoring of the Energy Group Portfolio. Analyst will work closely with the Portfolio Manager who owns the underwriting process of these accounts. While the Analyst will not have ownership of any client relationships, and the primary responsibility will be underwriting, the Analyst will also be expected to support business development, when possible, as needed by the bank group.

ESSENTIAL FUNCTIONS

• Analyst is to work closely with PM and Team Manager on the assigned loan portfolio by monitoring and managing the credit quality of such portfolio.
• Work closely with Cathay Bank's third-party petroleum engineers on new and existing Reserve Based Loans to fully understand all aspects of the engineering evaluation.
• Become knowledgeable regarding Oil and Gas as well as Renewable Energy companies and lending prospects.
• Specifically accountable for credit underwriting.
• Work with Portfolio Manager to prepare the Credit Commitment Report (“CCR”)
• Work with Portfolio manager to preform credit analysis for all client requests including Borrowing Base Reviews, maturity extensions and amendments to existing facilities.
• Reviews client's accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the Bank.
• Ensure compliance with Bank, regulatory and credit requirements with emphasis on best-in-class customer service while adhering to required timeframes from the client.
• Assist with bank audits.

QUALIFICATIONS

• Education: S. College graduate with major in related fields.
• Experience: 1-2 years of loan underwriting experience.
• Must possess previous underwriting experience or willing to be quickly trained.
• Must have extensive knowledge and understanding or be willing to learn of Bank's credit policy, risk management, underwriting requirements and loan servicing.
• Must have strong knowledge and understanding of commercial and specialty group banking products and services or be willing to learn.

Skills/Ability:

PC proficient. Excellent verbal and written communication skills. Bilingual (English/Mandarin or Cantonese) a plus but not required. Ability to work well independently to restructure loans and/or lines of credits. Must be organized and detail oriented and able to multi-task. Ability to work effectively in a fast paced, high production and team environment. Excellent time management skills and be accustomed to working with deadlines. Ability to assume responsibility and accountability for decision-making. Ability to communicate effectively with all levels of Bank personnel.

OTHER DETAILS

$63,000-70,000 / year

Pay determined based on job-related knowledge, skills, experience, and location.
This position may be eligible for a discretionary bonus.

Cathay Bank offers itsfull-timeemployees 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 Aff…? 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.

Cathay Bank endeavors to make www.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.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.Credit Administration