Credit Analyst I: Covenant & Cash-Flow Evaluator

Cathay Bank in; El Monte (CA); On-site; USD 43,000 - 45,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Long-term disability insurance

FSAs

HSA with company contributions

401(k)

Job summary

Cathay Bank is seeking a credit/financial analyst in El Monte, CA to manage loan covenants and analyze financial statements using nCino. The role requires preparing financial spreads and cash flow analyses for diverse borrowers, and ensuring covenant compliance with loan agreements.

Ideal candidates have a college degree in Finance/Accounting or 2 years related experience, strong MS Office skills, and the ability to work independently and as part of a team.

Qualifications

• College degree in Finance, Accounting, Business, or related field preferred, or 2 years related experience in credit or financial analysis.
• Experience analyzing financial statements, cash flow, and guarantor/ borrower tax returns.

Responsibilities

• Manages ticklers and covenants and monitors receipt of financial documents using nCino.
• Prepares and analyzes financial spreads for various entities per bank guidelines.
• Prepares individual and global cash flows.
• Calculates covenant compliance based on Borrower's Loan Agreement.

Skills

Accounting knowledge

Credit policy

Financial statement analysis

Communication skills

Teamwork and independence

Microsoft Office

Education

Finance/Accounting/Business degree

2 years related credit/financial analysis experience

Tools

Microsoft Office

Job description

Cathay Bank is seeking a credit/financial analyst in El Monte, CA to manage loan covenants and analyze financial statements using nCino. The role requires preparing financial spreads and cash flow analyses for diverse borrowers, and ensuring covenant compliance with loan agreements.

Ideal candidates have a college degree in Finance/Accounting or 2 years related experience, strong MS Office skills, and the ability to work independently and as part of a team.