<p>GENERAL SUMMARY</p> <p>Under direct supervision, responsible for the credit/loan analysis and portfolio management to assigned portfolio and provide underwriting in support of the Commercial Banking lending and relationship management teams. Analyze loan transactions and credit worthiness of existing and prospective borrowers. Prepare a detailed and accurate credit analysis and provide recommendations regarding an existing or prospective Credit/Borrower and potential risks and risk mitigation solutions. Ensure all due diligence and background evaluations on a loan request are complete and thorough. Participate in client visits, discussions and meetings. May contact Borrowers directly, as appropriate, with the direction of and/or in concert with the Relationship Manager.</p> <p>ESSENTIAL FUNCTIONS</p> <ul> <li>Work closely with SRM(s) and Team Managers on the assigned loan portfolio. </li><li>Monitor and manage the credit quality of the assigned loan portfolio. Review and monitor closely of financial and operation performance to ensure each credit is properly risk rated. Identify, evaluate, and determine the appropriate course of action on potential credit quality issues to maximize credit quality and minimize risk and potential loss to the Bank. </li><li>Maintain and grow existing client relationships, and cross-sell Bank's other products and services. </li><li>Ensure compliance with Bank, regulatory and credit requirements with emphasis on best-in-class customer service. </li><li>Review existing loan exposure and proposed extensions of credit and financial information </li><li>Evaluate credit structure and terms to determine sources and uses of funds </li><li>Analyze industry data, competitive factors, historical performance, and projected results </li><li>Assess risks and recommend the appropriate risk rating </li><li>Determine any policy exceptions and mitigating factors </li><li>Recommend credit alternatives and creative ways to structure credits ensuring that transactions are within portfolio risk standards </li><li>Complete Credit Reports that incorporates all the analysis noted above by using critical thinking standards </li><li>Analyze loan transactions and credit worthiness of existing and prospective borrowers </li><li>Prepare a detailed and accurate credit analysis and providing opinions/recommendations regarding an existing or prospective Credit/Borrower, including potential risks and how to mitigate such risks. </li><li>Ensure all due diligence and background evaluations on a loan request are complete and thorough, so credit approval can be considered. </li><li>Participate, under direct supervision, in client visits, discussions, and meetings </li></ul> <p>QUALIFICATIONS</p> <p>Education:</p> <ul> <li>Minimum Bachelors' degree in Business or Finance preferred </li></ul> <p>Experience:</p> <ul> <li>3-5 years of experience in banking related product sales, service, and advising required </li></ul> <p>Skills/Ability:</p> <ul> <li>In depth knowledge of banking products and services (deposit, lending, consumer and commercial experience preferred). </li><li>Understand cause of the covenant default as well as Borrower's action plan to cure/remedy default, and prevent it from happening going forward and RM's action plan regarding the default (i.e waive, waive and extend, enter into a forbearance period etc). </li><li>Strong sales, marketing, and business development skills required </li><li>Ability to manage situations of varying degrees of complexity with customers (excellent problem resolution skills) </li><li>Team oriented, able to influence others and lead colleagues toward common goals </li><li>Must have high standard of integrity and work ethics </li><li>Ability to work in a fast paced, demanding environment </li><li>Fluency in English and Chinese (Mandarin or Cantonese) preferred </li></ul> <p>OTHER DETAILS</p> <p>AVP: $70K - $95K / year</p> <p>VP: $95K - $130K / year</p> <p>Pay determined based on job-related knowledge, skills, experience, and location.</p> <p>This position may be eligible for a discretionary bonus.</p>