Credit Analyst – Entry Level

Job Description

Credit Analyst – Entry Level

Bank of the Orient, an independent Asian Community Bank with over 55 years of service in multiple Bay Area communities and Texas, is seeking a Credit Analyst – Entry Level. We are committed to providing exceptional personal service, integrity, and high-quality financial services to our customers and communities.

The ideal candidate for this role will have a minimum of 1+ years of credit underwriting experience in consumer, commercial, construction, and/or SBA lending. This position plays a crucial role in supporting our loan officers and evaluating the financial health of our clients.

Key Responsibilities:

• Provide assistance to loan officers in the processing and review of credit applications.
• Develop and analyze credit information to assess client creditworthiness.
• Evaluate the creditworthiness of both new and existing clients.
• Prepare comprehensive credit reports, including accurate summaries and cash flow analyses.
• Present factual information and may offer opinions concerning creditworthiness to decision-makers.
• Analyze and evaluate borrowers’ creditworthiness using Financial and Tax Return Spreads.
• Prepare and summarize conditions and covenant requirements that necessitate bank action.
• Obtain credit reports from various sources, including reporting services, credit bureaus, other financial institutions, and internal bank files.
• Prepare factual summaries and credit approvals for submission to the Chief Credit Officer.
• Determine the need for further investigation or additional information and contact appropriate sources.
• Review and finalize credit approvals with the Chief Credit Officer.
• Submit loan proposals to the Chief Credit Officer and/or Management Loan Committee for review and approval.
• Assist with the preparation of annual real estate reviews and updated financial statements reviews.
• Stay informed about and participate in discussions regarding current banking rules and regulations, trade finance, loan products, and marketing strategies.

Qualifications & Skills:

• Minimum 1+ years of credit underwriting experience in consumer, commercial, construction, and/or SBA lending.
• Strong analytical and evaluation skills for financial data and tax returns.
• Excellent communication and report preparation skills.
• Ability to work effectively with loan officers and management.
• Familiarity with banking rules and regulations is a plus.
• Bilingual in Chinese a Plus.

Application Process:

Interested candidates should email their resume to: Career@bankorient.com

For additional information about Bank of the Orient, please visit our website at: www.bankorient.com

Pre-employment Screening:

Candidate will be subject to investigation through credit checks, reference checks, background checks, and fingerprinting checks performed at the time permissible under relevant law.

Bank of the Orient is proud to be an Affirmative Action, Equal Opportunity Employer.