Senior Credit Analysis Lead - Commercial & ABL Loans

Cathay Bank; El Monte (CA); On-site; USD 95,000 - 110,000; Full time

Benefits offered by this job

Discretionary bonus

Job summary

Cathay Bank in California seeks a Commercial Credit Analyst to support loan management with a focus on C&I/ABL transactions. You will analyze borrowers' creditworthiness, prepare credit analyses, and advise on risk and structure to help credit decisions.

Responsibilities include reviewing exposures, gathering financial data from borrowers, evaluating collateral, and ensuring due diligence meets policies. Strong Excel and financial modeling skills are required.

Qualifications

• 3–5 years of experience in analyzing and underwriting commercial credits.
• Experience with C&I or ABL transactions and financial statement analysis.
• Proficient in credit policies and loan structuring.

Responsibilities

• Review existing and new loan exposures and evaluate credit structure.
• Contact borrowers for additional information and financial materials.
• Assess collateral to minimize credit exposure.
• Prepare credit approval analyses and recommendations.

Skills

Analytical skills

Organizational skills

Verbal and written communication

Education

Finance degree

Accounting coursework

MBA a plus

Tools

Microsoft Office

CASH Insight

Job description

Cathay Bank in California seeks a Commercial Credit Analyst to support loan management with a focus on C&I/ABL transactions. You will analyze borrowers' creditworthiness, prepare credit analyses, and advise on risk and structure to help credit decisions.

Responsibilities include reviewing exposures, gathering financial data from borrowers, evaluating collateral, and ensuring due diligence meets policies. Strong Excel and financial modeling skills are required.