Los Angeles Branch - Financial Analyst Associate/AVP

Responsibilities

• Evaluate credit requests to assess credit worthiness, including cash flow, credit risk classification, and loan structure, and collateral analysis at the branch level
• Work closely with Team Lead in reviewing and structuring of complex transactions, negotiating credit terms and legal documentations, and co-managing client relationship as needed
• Analyze customer financial profiles including preparation of Credit Recommendation Reports and present recommendations to Credit Risk Management Department and Credit Approval Committee
• Maintain sound credit risk practices for the loan portfolios including completion of all quarterly and annual reviews as required by policies
• Responsible for overseeing existing loan portfolios including periodic reporting of risk profiles, trends, industry developments and concentration to ensure appropriate loan classification
• Perform on-going post-lending management on negative news as well as loan portfolios; identify early warning signs of deteriorating credit trends; work closely with Team Lead to identify alternatives to resolve problem loan situations
• Ensure credit files contain proper documentation including current financial statements, agency reports etc. before submitting to Business Administration Team
• Provide coaching to junior staff in reviewing credit files of new credit facilities, loan documentation requirements, and follow up any pending and outstanding credit documents (e.g., Annual & Quarterly Account Review, Collateral, Insurance and Periodic Financial documents from customers)
• Perform any other duties as assigned by Team Lead and/or the Branch Management

Qualifications

• Bachelor’s degree with major in Business Administration or Finance, Accounting, Economics or other related disciplines is required; a master degree or above is preferred
• For Associate title, 3+ years of work experience in credit underwriting, credit risk and portfolio management in the banking industry
• For AVP title, 5+ years of work experience in credit underwriting, credit risk and portfolio management in the banking industry
• Thorough knowledge of corporate lending, loan structuring, financial analysis, customer due diligence and credit risk management
• Gained formal credit underwriting and financial analysis training
• Excellent project management skills, ability to multi-task, adapt well to changing priorities, and effectively prioritize workflow to meet critical deadlines
• Excellent analytical, interpersonal, verbal and written communication skills; good relationship management and development skills
• Proficient in Microsoft Outlook, Word, Excel, and PowerPoint
• High degree of professionalism, quality work and attendance