Summary/Objective:

JOB DESCRIPTION Credit Analyst/Officer

Credit Department Exempt

VP and Credit Manager of the Region

Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. Analyze financial statements, tax returns with emphasis on cashflow, profitability and liquidity

2. Review property appraisals, environmental reports and evaluate suitability as loan collaterals

3. Assessment preparations, interpret financial ratios and significance of various financial ratios

4. Discuss and meet with front office staff on prospective customers, visit collateral properties

5. Prepare department reports, order appraisals, review loan documents, approve GCMS

transactions and other responsibilities as required.

Competencies:

In order to perform the job successfully, an individual should demonstrate the following competencies:

1. Knowledge of international trade finance functions, documents and procedures

2. Working knowledge of accounting principal, property appraisals and environmental reports

3 Basic banking practice and bank procedures, UCC and loan agreements

4. Proficiency in Excel, Word, Power Point office software

5. Business writing, local rent control ordinances, Alice Act desired

Supervisory Responsibility: None

Physical Demands:

This is largely a sedentary role, requiring use of typical office equipment such as a computer, laptop and cell phone. Most work is completed in an office environment. Walking around the office and talking to employees and supervisors is required.

Travel Requirements:

Some local travel to meet with customers or visit collateral hence a valid driver’s license is required

Required Education and Experience:

•  Bachelor's degree (B. A. or B. S.) from four-year college or university.

•  Two to five years of related experience and/or training.

•  Equivalent combination of education and experience.

  Additional Qualifications:

  Knowledge of real estate industry, title insurance industry a plus

  Language/Communication Skills:

  Good English and Chinese language skills and good writing skills

  Other Duties:

  Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. It is understood and agreed that the employee may be required to perform additional duties as assigned by the employee’s supervisor or Manager.

  Risk Management Responsibilities:

  •  provide first line with advisory guidance and routinely monitor for compliance, assess risks and the activities to mitigate the risks.

  •  has sufficient authority, stature, independence, resources and access to the credit management to raise risks and concerns.