Los Angeles Branch - Financial Analyst Associate/AVP

Credit Risk Management SpecialistThis position is responsible for underwriting and monitoring the credit quality of the loan portfolios. This includes closing and booking of transactions; post-lending monitoring activities; analyzing and determining customers' credit worthiness, recommending risk ratings; ensuring all the underwriting, financial analysis and loan portfolios are in full compliance with the Bank's policies and procedures, and regulatory requirements; and performing any other duties as assigned by Team Lead and/or the Branch Management.ResponsibilitiesEvaluate credit requests to assess credit worthiness, including cash flow, credit risk classification, and loan structure, and collateral analysis at the branch levelWork closely with Team Lead in reviewing and structuring of complex transactions, negotiating credit terms and legal documentations, and co-managing client relationship as neededAnalyze customer financial profiles including preparation of Credit Recommendation Reports and present recommendations to Credit Risk Management Department and Credit Approval CommitteeMaintain sound credit risk practices for the loan portfolios including completion of all quarterly and annual reviews as required by policiesBe responsible for overseeing existing loan portfolios including periodic reporting of risk profiles, trends, industry developments and concentration to ensure appropriate loan classificationPerform on-going post-lending management on negtive news as well as loan portfolios; identify early warning signs of deteriorating credit trends; work closely with Team Lead to identify alternatives to resolve problem loan situationsEnsure credit files contain proper documentation including current financial statements, agency reports etc. before submitting to Business Administration TeamFor AVP title, need to provide coaching to junior staff in reviewing credit files of new credit facilities, loan documentation requirements, and follow up any pending and outstanding credit documents (e.g., Annual & Quarterly Account Review, Collateral, Insurance and Periodic Financial documents from customers)Perform any other duties as assigned by Team Lead and/or the Branch ManagementCompliance Risk ManagementEnsure all due diligence and background evaluation is completedPerform pre-closing and post-closing quality control processes to ensure that timely responses are provided, review findings with Branch ManagementPrepare New Loan Closing Memos, monitor required Compliance Certificates, Borrowing Base Certificates, etc.

so as to provide guidance if further risk assessments are warrantedCooperate with internal and external auditors and examiners; take corrective actions in response to the audit findingsComply with any KYC related requirements during the loan underwriting and processingPerform any compliance and risk management duties as assigned by Team Lead and/or Branch ManagementQualificationsBachelor's degree with major in Business Administration or Finance, Accounting, Economics or other related disciplines is required; a master degree or above is preferredFor Associate title, 3+ years of work experience in credit underwriting, credit risk and portfolio management in the banking industry; For AVP title, 5+ years of work experience in credit underwriting, credit risk and portfolio management in the banking industryThorough knowledge of corporate lending, loan structuring, financial analysis, customer due diligence and credit risk managementHas gained formal credit underwriting and financial analysis trainingExcellent project management skills, ability to multi-task, adapt well to changing priorities, and effectively prioritize workflow to meet critical deadlinesExcellent analytical, interpersonal, verbal and written communication skills; good relationship management and development skillsProficient in Microsoft Outlook, Word, Excel, and PowerPointHigh degree of professionalism, quality work and attendancePay RangeActual salary is commensurate with candidate's relevant years of experience, skillset, education and other qualifications.USD $65,000.00 - USD $150,000.00 /Yr.