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Credit Analyst

Location: El Monte - Flair Dr., Flushing
Region: Southern California
Position Title: Credit Analyst

Job Duties:

  • Prepares credit analysis and investigation of new and renewal commercial loan requests and assimilates necessary financial documentation and facts to analyze, evaluate, and determine appropriate credit structure and terms for potential borrowers.
  • Monitors for receipt, analyzes and evaluates financial documents necessary to support a commercial loan request.  This may include financial statements for borrower, owners and/or guarantors, tax returns, financial spreads, collateral, covenants, borrowing base, credit reports, etc. to identify strengths and weaknesses related to the borrower’s financial condition.
  • At direction of and/or in concert with Account Officer, contacts borrowers directly, as appropriate, for additional information and details related to loan request or clarification of financial materials and resources.
  • Authors credit approval analysis report.
  • Maintains up-to-date knowledge on all Bank Lending policies and regulations.

Basic Requirements:

  • College degree in Finance, Accounting, Business or related field or 2 years related experience in credit or financial analysis within Cathay Bank preferred.  Intermediate accounting is required or must be completed within 18 months of hire.
  • Minimum two years of working experience in analyzing or underwriting medium sized and moderately-complex commercial CRE and/or C&I credit, which includes analyzing financial statements, cash flow analysis, familiarity with various industries, collateral issues and values, loan structuring and guarantor personal financial statements and tax returns.
  • Minimum one year of experience in actual authorship of credit approval reports.
  • Good working knowledge of credit, accounting, credit policy and financial statement analysis. 
  • Excellent organizational and analytical skills. 
  • Excellent ability to analyze credits, as well as a detailed knowledge of lending structure and sources and uses of cash.
  • Good verbal and written communication skills to present clear and precise recommendations based upon analysis for action on loans and loan treatments.
  • Proficient in Microsoft Office (Word, Excel, PowerPoint, and Outlook)
  • Ability to work successfully both independently and as a team player.
Please send resume and salary expectation to
Human Resources, Cathay Bank
9650 Flair Drive
El Monte, CA 91731
or fax resume to 626-454-1261

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Cathay Bank is an equal opportunity and M/F/D/V (Minority/Female/Disabled/Veteran) employer.

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