Credit Analyst
Company: Hanmi Bank
Location: Fremont
Posted on: June 23, 2022
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Job Description:
SUMMARYThe position of Credit Analyst is responsible for
managing the Commercial, C&I, SBA, Real Estate Lending,
Consumer and Commercial Equipment Leasing loan process and
preparation of relationship global cash flow analysis and
Management Reporting: Support Company's Lending units with Credit
memorandums and financial analysis of new and exist lending
relationships.Ensures compliance with established Bank policies and
procedures. Demonstrates knowledge of, adherence to, monitoring and
responsibility for compliance with state and federal regulations
and laws as they pertain to this position including but not limited
to the following: GLBA (Gramm-Leach-Bliley Act), Regulation Z
(Truth in Lending Act), Regulation DD (Truth in Savings Act)
Regulation B (Equal Credit Opportunity Act), Dodd-Frank Wall Street
Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse
Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act,
Anti-Money Laundering and Customer Information Program, Right to
Financial Privacy Act (state and federal) and Community
Reinvestment Act.ESSENTIAL DUTIES1.Identifies, collects, and
analyzes credit analysis and global cash flow to assess credit
risk.2.Conducts site visits, meetings, and interviews with
borrowers.3.Prepares file approval memorandums summarizing results
and validates Credit Risk Ratings in compliance with the Company's
policy and procedures.4.Monitors delinquencies, covenant
compliance, etc.5.Supports commercial lending in other credit
matters as assigned.6.Contacts borrowers to obtain additional
supporting information.7.Prepares spreadsheets and calculates
appropriate rations and other financial information.8.Provides
direct support to Senior Credit Officers/Credit Manager to develop
and analyze all relevant credit information in conjunction with
account officers pertaining to more complex commercial and business
loans.9.Maintains knowledge of the Bank's underwriting and lending
guidelines10.Treats people with respect; keeps commitments;
inspires the trust of others; works ethically and with integrity;
upholds organizational values; accepts responsibility for own
actions.11.Demonstrates knowledge of and adherence to EEO policy;
shows respect and sensitivity for cultural differences; educates
others on the value of diversity; promotes working environment free
of harassment of any type; builds a diverse workforce and supports
affirmative action.12.Follows policies and procedures; completes
tasks correctly and on time; supports the company's goals and
values.13.Performs the position safely, without endangering the
health or safety to themselves or others and will be expected to
report potentially unsafe conditions. The employee shall comply
with occupational safety and health standards and all rules,
regulations and orders issued pursuant to the OSHA Act of 1970,
which are applicable to one's own actions and conduct.14.Performs
duties specific to the position and other functions as
assigned.MINIMUM REQUIREMENTSThese specifications are general
guidelines based on the minimum experience normally considered
essential to the satisfactory performance of this position. The
requirements listed below are representative of the knowledge,
skill and/or ability required to perform the position in a
satisfactory manner. Individual abilities may result in some
deviation from these guidelines.---Bachelor's degree highly
preferred; High school diploma and/or 1+ plus years work experience
and/or training in commercial or SBA lending - specifically,
property cash flow analysis and appraisal valuation methods.
.---Commercial real estate and/or SBA analysis/underwriting
experience a plus---Strong problem solving, analytical and decision
making skills.---Able to handle multiple transactions at once and
work well in a team-oriented environment---Strong customer service
skills, relationship development and management skills---Basic
skills in computer terminal and personal computer operation;
mainframe computer system; word processing and spreadsheet software
programs.---Intermediate typing skills to meet production needs of
the position.---Basic math skills; ability to calculate interest,
commissions, proportions, and percentages; balance accounts; add,
subtract, multiply and divide in all units of measure, using whole
numbers, common fractions and decimals; locate routine mathematical
errors; compute rate, ratio and percent, including the drafting and
interpretation of bar graphs.---Good verbal, written and
interpersonal communication skills, with the ability to apply
common sense to carry out instructions and instruct others, train
personnel, write reports, correspondence and procedures, and speak
clearly to customers and employees.---Ability to deal with complex
problems involving multiple facets and variables in
non-standardized situations.---Ability to work with no supervision
while performing duties.---Current driver's license and a vehicle
with appropriate insurance coverage if required to drive in the
course of performing assigned duties and responsibilities.We are an
Equal Opportunity/Affirmative Action Employer. All applicants will
receive consideration for employment without regard to race, color,
ancestry, religion, sex, national origin, sexual orientation, age,
citizenship, marital status, disability, gender identity or Veteran
status, or any other characteristic protected by law. We will
consider all qualified applicants regardless of criminal histories,
in a manner consistent with the requirements of all applicable
state and local laws and regulations. Applicants must be currently
authorized to work in the United States for any employer.
PI182951842
Keywords: Hanmi Bank, Fremont , Credit Analyst, Professions , Fremont, California
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