Credit Analyst l

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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Perform the analysis of financial statements and tax returns using nCino for Account Officers to use in their recommendations for new and renewal extensions of credit. Calculate various financial ratios to assist in the ongoing monitoring of borrower compliance to financial covenants per loan agreements and the submission of financial documents.

• Manages ticklers and covenants and monitors receipt of financial documents pertaining to the existing credits using nCino. This may 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 using nCino for private and public companies, prospects, individual and corporate tax returns according to the standard classification and guidelines established by the Bank.
• Prepares individual and global cash flows.
• Calculates covenant compliance based on Borrower's Loan Agreement (BLA).
• Forwards completed spreads to lending unit. Identifies and notifies lending unit of covenant violations and escalates to Credit Administrators as required.
• Maintains up-to-date knowledge on all Bank lending policies and regulations.
• Maintains up-to-date knowledge in financial spreads and basic GCF process.
• Completes quality spreads with supervision.

• Education:
  
  College degree in Finance, Accounting, Business, or related field preferred, or 2 years related experience in credit or financial analysis.
• Experience:
  
  Minimum one year (prefers two) of working experience in analyzing financial statements, cash flow analysis, familiarity with various industries, collateral issues and values, and analysis of guarantor personal financial statements and tax returns.
• Skills/Ability:
  Good working knowledge of accounting, credit policy and financial statement analysis. Good organizational and analytical skills. Good verbal and written communication skills. Ability to work successfully both independently and as a team player. Proficient in Microsoft Office (Word, Excel, PowerPoint, and Outlook).

$19.71 - $21.63 / 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).

Cathay Bank may collect personal information from potential job candidates and applicants. For more information on how we handle personal information and your applicable rights, please review our Privacy Policy.

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.

• Poster – English
• Poster – Spanish
• Poster – Chinese Traditional
• Poster – Chinese Simplified

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