Senior Credit Analyst

East West Bank; New York (NY); On-site; USD 70,000 - 100,000; Full time

Job summary

East West Bank is seeking a Structured Finance/Specialty Finance Senior Credit Analyst in New York. You will underwrite, monitor, and manage a portfolio of loans backed by cash flows from diverse asset classes.

The role requires evaluating credit risk, preparing memoranda, reviewing legal documents, and ensuring compliance with internal policies and regulatory guidelines while delivering strong client service and thoughtful analysis.

Qualifications

• Underwriters must assess credit risk and transaction quality.
• Proven ability to read and analyze financial statements.
• Experience with underwriting, portfolio management, and covenant monitoring.

Responsibilities

• Underwrite and monitor a portfolio of clients.
• Assess credit risk and quality of transactions.
• Assist Relationship Manager and Portfolio Manager in underwriting per guidelines.
• Prepare credit memoranda for loans and modifications.
• Manage renewal process with RM/PM and clients.
• Review legal documents for accuracy and compliance.
• Ensure portfolio risk management per policies and regulatory guidelines.
• Monitor covenant compliance and ongoing credit risk.
• Perform administrative duties for portfolio maintenance.
• Maintain knowledge of market conditions.

Skills

Credit risk analysis

Financial statement analysis

Underwriting

Portfolio management

Attention to detail

Analytical thinking

Communication skills

Education

Bachelor's degree in Accounting, Finance, or Economics

Job description

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, and 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.

The Structured Finance/Specialty Finance Senior Credit Analyst will be responsible for underwriting, credit monitoring and portfolio management of a portfolio of clients where the repayment of the loan is based on cash flows provided by various asset classes.

• Responsible for assessing the credit risk and quality of transactions in the portfolio
• Assist Relationship Manager and Portfolio Manager in underwriting and managing transactions according to the Bank established guidelines and policies
• Analyze transactions and create credit memoranda for new loans and modifications.
• Manage the renewal process by working with the RM and PM, the client and the credit department
• Review legal documentation for accuracy and compliance with approval requirements
• Ensure the portfolio administration and risk management of each client relationship follows established EWB credit policy, procedures, and business strategy as well as commercial and regulatory guidelines
• Provide ongoing monitoring of credit/covenant compliance
• Perform other administrative duties required for the maintenance of a portfolio of clients
• Ensure compliance with EWB regulatory and credit requirements
• Maintain knowledge of market conditions.
• Basic understanding of structured finance and securitization.
• Ability to understand and analyze financial statements.
• Ability to understand and analyze complex loan structures.
• Excellent verbal and written communication skills.
• Excellent interpersonal and customer service skills.
• Excellent organizational skills and attention to detail.
• Strong analytical and problem-solving skills.

Education and Experience:

• Bachelor’s degree required; Major or Minors in Accounting, Finance, or Economics preferred.
• At least three years of experience in structured finance/securitization/specialty finance.

Compensation

The base pay range for this position is USD $70,000.00/Yr. - USD $100,000.00/Yr. Exact offers will be determined based on job-related knowledge, skills, experience, and location.

East West Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other legally protected status. Reasonable accommodations for disability are provided to applicants and employees in accordance with applicable law.