Logo
  • 中 文 | English | Español
 

網路銀行

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:


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

Image

Mortgage Payment Problem?

We may be able to help you

Know More
phoneIcon.png

1-800-9CATHAY

(1-800-922-8429)

客戶服務:週一至週五美國西岸時間上午六時至下午六時。

「國泰銀行一線通」提供24小時帳戶查詢服務。

謝 謝 您 瀏 覽 國 泰 銀 行 網 站

您現在將進入一個非我們管核的網站。

國泰銀行不能保證其他網站所提供的資料及建議是否正確。 國泰銀行亦不會對其他網站的資料保密及安全性負責。 我們建議您先了解此網站的資料保密政策然後再提供個人資料。

如對此網站或其提供之服務有任何投訴,請與我們聯絡:

Cathay Bank

Compliance Department

9650 Flair Drive EL-5-C

El Monte, CA 91731.

電 子 郵 件 通 信 是 不 安 全 的

當透過此網站向我們發出任何電子郵件時, 請不要包含敏感資料,例如賬戶號碼或非公開的個人資料,例如社會安全或稅務識別號碼。