Position InformationJob Title: Credit AnalystDepartment: LendingFLSA Status: Non-ExemptReports to: Lending Manager (May vary)Full/Part Time Status: Full-TimeWork Location: VariesTravel Requirement: 0-10%EducationMinimum Education Level: Associates Degree preferably in Accounting or Finance.Combination of Experience and Education can meet the job requirements: Yes ? or No ?Language RequirementsEnglish: Written: Advanced Verbal: FluentKorean: Written: Intermediate Verbal: ConversationalComputer/Systems Knowledge RequirementsMicrosoft Outlook: Basic ? or Intermediate ?Microsoft Word: Basic ? or Intermediate ?Microsoft Excel: Basic ? or Intermediate ? or N/A ?Microsoft PowerPoint: Basic ? or Intermediate ? or N/A ?Responsibilities & DutiesLoan Processing:* Collect necessary documents from clients and maintain well organized credit files.* Spread financial statements or tax returns to generate relevant ratios including DCRs under the supervision of a portfolio manager.* Assist in loan closing and funding including obtaining signatures on loan documents according to the Bank’s procedures.* Prepare credit memos that are simple or with minor complexity; and present credit memos to appropriate lending authority for approval.Loan Maintenance/Monitoring:* ·Monitor loan covenants and conditions per loan agreements and report violations to portfolio managers or relationship managers.* Prepare simple credit memos to report covenant/condition violations and to approve modifications and to make cash secured loans.* Process daily line advances for lines of credit and follow up on expired insurance policies.* Prepare various internal reports and payments such as LAR, monthly G/L certification, and invoices.* Conduct site visits and on-site interviews under the supervision of a portfolio manager.Compliance:* Comply with regulatory requirements including Reg B, HMDA, Bank Secrecy Act, OFAC, and USA Patriot Act, CRA, Privacy, and Security.* Comply with the Bank’s security program, including but not limited to:* Review and comply with the End-User Computing Agreement.* Acquire good knowledge on functions and usage of computer systems as related to the assigned job functions.* Be current and knowledgeable in industry’s trend in safeguarding the Bank against confidential data leak, identity theft, fraudulent activities, and computer security threats.* Reports suspicious activities to manager, Chief Risk Officer or Information Security Officer.Other Responsibilities:* Provide administrative support to loan officers, portfolio managers, relationship managers.* Seek opportunities to grow relationship with customers.* Participate in community organizations and/or events to help the Bank meet its CRA Objectives.* Assume additional duties as requestedJob Qualifications/Requirements* Required: Excellent written and oral communication skills.* Required: Excellent presentation skills.* Required: Ability to respond effectively to the most sensitive inquiries or customer complaints.Physical DemandsLifting/CarryingUnder 10 lbs.: Rarely (Less than 1 hour per week)11-20 lbs.: Rarely (Less than 1 hour per week)Pushing/PullingUnder 10 lbs.: Rarely (Less than 1 hour per week)11-20 lbs.: Rarely (Less than 1 hour per week)Twisting/TurningReach over shoulder: Rarely (Less than 1 hour per week)Reach over head: Rarely (Less than 1 hour per week)Reach outward: Rarely (Less than 1 hour per week)Climb: Rarely (Less than 1 hour per week)Crawl: Rarely (Less than 1 hour per week)Kneel: Rarely (Less than 1 hour per week)Squat: Rarely (Less than 1 hour per week)Sit: Constant (Over 66% of the time)Walk-Normal Surfaces: Frequent (34% – 66% of the time)Walk-Uneven Surfaces: Rarely (Less than 1 hour per week)Walk-Slippery Surfaces: Rarely (Less than 1 hour per week)Stand: Frequent (34% – 66% of the time)Bend: Occasional (1% – 33% of the time)DrivingAutomatic Trans: Occasional (1% – 33% of the time)Standard Trans: Occasional (1% – 33% of the time)OtherKeyboard/Ten Key: Constant (Over 66% of the time)Fingering (fine dexterity): Occasional (1% – 33% of the time)Handling (grasping, holding): Occasional (1% – 33% of the time)Repetitive Motion – Hands: Occasional (1% – 33% of the time)Repetitive Motion – Feet: Occasional (1% – 33% of the time)