nn Position Information nn nnJob Title: Credit Analystnn nnDepartment: Lendingnn nnFLSA Status: Non-Exemptnn nnReports to: Lending Manager (May vary)nn nnFull/Part Time Status: Full-Timenn nnWork Location: Variesnn nnTravel Requirement: 0-10%nn nn nn nn Education nn nnMinimum Education Level: Associates Degree preferably in Accounting or Finance.nn nnCombination of Experience and Education can meet the job requirements: Yes ?
or No ?nn nn nn nn Language Requirements nn nnEnglish: Written: Advanced Verbal: Fluentnn nnKorean: Written: Intermediate Verbal: Conversationalnn nn nn nn Computer/Systems Knowledge Requirements nn nnMicrosoft Outlook: Basic ?
or Intermediate ?nn nnMicrosoft Word: Basic ?
or Intermediate ?nn nnMicrosoft Excel: Basic ?
or Intermediate ?
or N/A ?nn nnMicrosoft PowerPoint: Basic ?
or Intermediate ?
or N/A ?nn nn nn nn Responsibilities & Duties nn nn nn nn Loan Processing: nn nn
· Collect necessary documents from clients and maintain well organized credit files.nn nn
· Spread financial statements or tax returns to generate relevant ratios including DCRs under the supervision of a portfolio manager.nn nn
· Assist in loan closing and funding including obtaining signatures on loan documents according to the Bank’s procedures.nn nn
· Prepare credit memos that are simple or with minor complexity; and present credit memos to appropriate lending authority for approval.nn nn nn nn Loan Maintenance/Monitoring: nn nn
· Monitor loan covenants and conditions per loan agreements and report violations to portfolio managers or relationship managers.nn nn
· Prepare simple credit memos to report covenant/condition violations and to approve modifications and to make cash secured loans.nn nn
· Process daily line advances for lines of credit and follow up on expired insurance policies.nn nn
· Prepare various internal reports and payments such as LAR, monthly G/L certification, and invoices.nn nn
· Conduct site visits and on-site interviews under the supervision of a portfolio manager.nn nn nn nn Compliance: nn nn
· Comply with regulatory requirements including Reg B, HMDA, Bank Secrecy Act, OFAC, and USA Patriot Act, CRA, Privacy, and Security.nn nn
· Comply with the Bank’s security program, including but not limited to:nn nno Review and comply with the End-User Computing Agreement.nn nno Acquire good knowledge on functions and usage of computer systems as related to the assigned job functions.nn nno Be current and knowledgeable in industry’s trend in safeguarding the Bank against confidential data leak, identity theft, fraudulent activities, and computer security threats.nn nno Reports suspicious activities to manager, Chief Risk Officer or Information Security Officer.nn nn Other Responsibilities: nn nn
· Provide administrative support to loan officers, portfolio managers, relationship managers.nn nn
· Seek opportunities to grow relationship with customers.nn nn
· Participate in community organizations and/or events to help the Bank meet its CRA Objectives.nn nn
· Assume additional duties as requestednn nn nn nn nn nn Job Qualifications/Requirements nn nn
· Required: Excellent written and oral communication skills.nn nn
· Required: Excellent presentation skills.nn nn
· Required: Ability to respond effectively to the most sensitive inquiries or customer complaints.nn