Credit Analyst

People Drive Our Success

Are you enthusiastic, highly motivated, and have a strong work ethic? If yes, come join our team! At Cathay Bank - we strive to provide a caring culture that supports your aspirations and success. We believe people are our most valuable asset and we proudly foster growth and development empowering you to achieve your professional goals. We have thrived for 60 years and persevered through many economic cycles due to our team members' drive and optimism. Together we can make a difference in the financial future of our communities.

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GENERAL SUMMARY

Performs the analysis of financial statements and tax returns for Account Officers. Under the direction of the Team Manager, may participate in underwriting less complex new and renewal lines of credit with a focus on C&I and Owner-Occupied Real Estate transactions to support a team.

ESSENTIAL FUNCTIONS

• Manages ticklers and covenants as well as monitors receipt of financial documents pertaining to existing credits to include financial statements for borrowers, owners and / or guarantors, tax returns, financial spreads, collateral information, covenants, borrowing base, credit reports, and projections.
• Prepares and analyzes financial spreads for private and public companies as well as individual and corporate tax returns according to the guidelines and policies established by the Bank.
• Completes quality spreads with supervision for new and renewal extensions of credit.
• Prepares individual or corporation and global cash flows.
• Calculates various financial ratios to assist in the ongoing monitoring of borrower compliance to financial covenants per loan agreements and the submission of financial documents.
• Calculates covenant compliance based on Borrower's Loan Agreement (BLA).
• Forwards completed spreads to Portfolio Managers within the team. Identifies and notifies Portfolio Managers within the team of covenant violations and escalates as required.
• Maintains up-to-date knowledge on all Bank lending policies and regulations.
• Escalates potential credit issues to Team Manager.

QUALIFICATIONS

financial statements, cash flow analysis, familiarity with various industries, collateral issues and values, and analysis of guarantor personal financial statements and tax returns.

statement analysis. Good organizational and analytical skills. Good verbal and written communication skills. Ability to work successfully both independently and as a team. Proficient in Microsoft Office (Word, Excel, PowerPoint, and Outlook).

OTHER DETAILS

$21.63 - $31.25 / hour

Pay determined based on job-related knowledge, skills, experience, and location.

This position may be eligible for a discretionary bonus.

Cathay Bank offers its full-time employees a competitive benefits package which is a significant part of their total compensation. It is our goal to provide employees with a comprehensive benefits package to fit their needs which includes, coverage for medical insurance, dental insurance, vision insurance, life insurance, long-term disability insurance, and flexible spending accounts (FSAs), health saving account (HSA) with company contributions, voluntary coverages, and 401(k).

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Cathay Bank is an Equal Opportunity and Affirmative Action Employer. We welcome applications for employment from all qualified candidates, regardless of race, color, ethnicity, ancestry, citizenship, gender, national origin, religion, age, sex (including pregnancy and related medical conditions, childbirth and breastfeeding), reproductive health decision-making, sexual orientation, gender identity and expression, genetic information or characteristics, disability or medical condition, military status or status as a protected veteran, or any other status protected by applicable law.

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Cathay Bank endeavors to make www.CathayBank.com accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact, Mickey Hsu, FVP, Employee Relations Manager, at (626) 582-7370 or mickey.hsu@cathaybank.com . This contact information is for accommodation requests only and cannot be used to inquire about the status of applications.