Credit Analysis Officer; NE; Fund Finance

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.

Learn more about us at

What our team members are saying:

Video Clip 1

Video Clip 2

Video Clip 3

Conduct financial analysis to assess credit worthiness while following established bank underwriting policies and procedures for capital call / subscription secured and related commercial credit requests as well as other credit opportunities, assist in the maintenance and monitoring of existing credits in the portfolio, responsible for certain administrative duties including reporting.

• Reviews existing and new loan exposures, proposed extensions of credit and financial information; evaluates credit structure and terms; determines sources and uses of funds; analyzes industry data, competitive factors, historical performance, projected results, risks, and mitigating factors.
• Reviews and evaluates collateral periodically to minimize credit exposure.
• With guidance and supervision authors credit approval analysis report.
• Maintains up-to-date knowledge on all Bank lending policies and regulations.
• Confers with the appropriate Bank personnel regarding lending requirements and regulations.
• Supports lending management team by monitoring performance of borrowers, identifying problem credits, and taking a proactive approach toward resolution.
• Reviews risk grading on an ongoing basis to identify potential credit issues.
• Escalates potential credit issues to Team Manager, Division Manager and Account Officer.

• Education:
  
  College degree in Finance, Accounting, Business or related field preferred with some level of accounting coursework.
• Experience:
  
  Knowledge of credit, accounting, credit procedures and financial statement analysis. 1-2 years of corporate commercial lending and / or banking experience preferred but not required. A good knowledge of accounting, lending regulations and credit practices are a plus but not required.
• Skills/Ability:
  Organizational and analytical skills and strong verbal and written communication skills to present clear and precise recommendations based upon analysis of a loan structure and request. Ability to think intuitively and work independently and in teams and interact effectively with most levels of Bank personnel and outside contacts. Proficient in Microsoft Office (Word, Excel, and Outlook) and financial spreading program.

$35.43 – $39.81 / 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 California Job Applicant…