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Credit Analyst

Company: East West Bank
Location: Rowland Heights
Posted on: June 18, 2022

Job Description:

Introduction Since 1973, East West Bank has served as a pathway to success. With over 120 locations across the U.S. and Greater China, 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 an exclusive focus on the U.S. and Greater China markets. With a strong foundation, enterprising spirit and a commitment to absolute integrity, East West Bank gives people the confidence to reach further.OverviewWe are currently seeking a Credit Analyst, which responsible for providing supports to relationship managers, thereby facilitating the initiation and servicing of commercial credit and banking relationships. Review the commercial loan portfolio to ensure sufficient, current and accurate credit records are maintained within the systems. Underwrite renewals, annual reviews, and new loan within assigned threshold.As an East West Bank employee, you will be part of a growing and stable organization that provides career path development opportunities while serving a growing and profitable market.Responsibilities

  • Compile spreadsheets and analyze financial statements, examine transaction documents
  • Evaluate financial condition and transaction structure, including collateral analysis
  • Generate ratios for use in evaluating commercial customer's financial status
  • Perform on line access to Bloomberg, IE ratings, Moodys, S&P, etc.
  • Interprets RMA statistics and industry comparisons; compare items, such as liquidity, profitability, credit history, and trend analysis with other companies of same industry, size and geographic location
  • Analyze such factors as income growth, quality of management, market share, potential risks of industry, and collateral appraisal to determine the risk involved in lending to commercial customers
  • Underwrite credit requests including results of credit analysis and summary of loan request
  • Describe credit risk, provides mitigates and results of credit analysis and amount of loan profit
  • Notes policy exceptions and possible mitigates
  • Assist in preparing the proposal to loan committee for decision
  • May collect information as part of analysis
  • Perform other duties as assigned Qualifications
    • Bachelor's degree in accounting, finance, banking administration or similar field; 1-2 years related experience and/or training in credit analysis
    • Excellent interpersonal and communication skills with focus on quality and integrity
    • Flexible and adaptable to a dynamic environment
    • Familiarity with lending procedures, laws and regulations
    • Flexible and adaptable to a dynamic environment

Keywords: East West Bank, Rowland Heights , Credit Analyst, Accounting, Auditing , Rowland Heights, California

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