Southern California Northern California Illinois Massachusetts New Jersey New York Texas Washington Nevada 中 文 | English | Español Home About Us Investor Relations Contact Us Branch Locator Personal AccountsChecking AccountsSavings AccountsCDsIRA CDDebit CardsLoansMortgage LoanHome Equity FinancingAuto LoanCredit CardsCathay Online BankingMobile Banking Business / Commercial Business AccountsBusiness Checking AccountBusiness Savings AccountCDsCash Management ServicesMerchant Deposit CaptureZero Balance AccountLockbox ServiceMerchant Bankcard ServicesCourier Deposit ServiceArmored Transport ServicesCash Vault ServicesBusiness Online BankingLoansCommercial FinancingReal Estate & Construction FinancingInternational Banking & FinancingSmart Capital LineSBA Guaranteed Loan ProgramCredit CardsCathay Business ConnectBANK@WORK Program Foreign Exchange Foreign Exchange ServiceForeign Exchange Market Update Investments Cathay Wealth ManagementAnnuitiesMutual FundsInvestment IRAsOnline Trading/Account Access Online Banking Personal Banking Business Banking Log In Log In View Demo Register Learn More View Demo Register Learn More Home > About Us > Careers > Credit Analysis Officer Careers Credit Analysis Officer Location: El Monte - Flair Dr. Region: Southern California Position Title: Credit Analysis Officer Job Duties: Reviews existing loan exposure, proposed extensions of credit and financial information; evaluates credit structure and terms; determines sources and uses of funds; analyzes industry data, competitive factors, historical performance, projected results, risks and mitigating factors. At the direction of and/or in concert with the Account Officer, contacts borrowers directly, as appropriate, for additional information and details related to loan request or clarification of financial materials and resources. Reviews and evaluates collateral periodically to minimize credit exposure. Recommends credit alternatives and creative ways to structure credits ensuring that transactions are within profitability and portfolio risk standards. Authors credit approval analysis report. Maintains up-to-date knowledge on all Bank lending policies and regulations. Confers with the appropriate Bank personnel regarding new/existing lending requirements and regulations. Supports lending management team by monitoring performance of borrowers, identifying problem credits, and taking a proactive approach toward resolution. Reviews risk grading on an ongoing basis to identify potential credit issues. Escalates potential credit issues to Department Manager and Account Officer. Basic Requirements: College degree in Business Administration or a related field preferred. Minimum 2-5 years of experience in analyzing or underwriting medium-sized and moderately-complex commercial 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. Excellent knowledge of commercial credit policies and procedures. Excellent credit analysis and accounting skills. Strong ability to communicate skillfully and effectively in both verbal/written forms. Good organizational skills. Ability to assume responsibility and accountability for decision making. Ability to work well independently and in teams and interact effectively with all levels of Bank personnel and outside contacts. Works with the Account Officers in structuring creative deals and determining alternative approaches. 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 Upload:Upload file Cathay Bank is an equal opportunity and M/F/D/V (Minority/Female/Disabled/Veteran) employer. Mortgage Payment Problem? We may be able to help you Know More 1-800-9CATHAY (1-800-922-8429) Customer service: 6:00 a.m. - 6:00 p.m. Pacific Time, Monday through Friday. Automated information is available 24hours a day, 7 days a week.