AVP, Loan Portfolio Officer

AVP, Loan Portfolio Officer (“LPO”) is responsible for maintaining and monitoring existing commercial loan portfolio and work closely with the Relationship Manager who owns the relationship of these accounts.

LPO is expected to maintain close contact with these clients and leverage the relationship to identify and bring in additional new business opportunities, both in loans and Bank’s other products and services.

LPO is expected to provide “best-in-class” service to these loan clients while following established Bank’s policies and procedures.

ESSENTIAL FUNCTIONS

• LPO is to work closely with Relationship Manager on the assigned loan portfolio by monitoring and managing the credit quality of such portfolio.
• Review to ensure each credit is properly risk rated based on the Bank’s risk rating system.
• Maintain and grow existing client relationships, cross-sell Bank’s other products and services.
• Specifically accountable for credit underwriting and origination of new credits from the existing client base, portfolio monitoring, renewals, amendments and annual reviews.
• Work with designated underwriter, loan assistants and other loan support staff to prepare the Credit Commitment Report (“CCR”)
• Reviews client’s accounts and portfolios in order to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the Bank.
• Ensure compliance with Bank, regulatory and credit requirements with emphasis on best-in-class customer service while adhering to required timeframes from the client.

QUALIFICATIONS

Bachelor’s degree in accounting, business, or related discipline preferred but not required.

3-5 years corporate and / or commercial lending and banking experience with thorough knowledge of lending regulations and credit / underwriting practices.

Good verbal and written communication skills.

Bilingual (English / Mandarin or Cantonese) a plus.

Organized and detail oriented.

Good credit

knowledge of Bank’s credit underwriting policies and approval process for assigned loan.

Ability to work effectively in a fast paced, high production environment. Strong financial analysis and accounting skills.