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Credit Officer

Credit Officer

Industrial and Commerce Bank Of China USA NAAlhambra, CA, US
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Job Description

Job Description

JOB DESCRIPTION

Job Title : Credit Officer

Department : Credit – SCR Region

Classification : Exempt

Reports to : SCR Credit Manager

Summary / Objective :

Responsible for preparation of credit assessment and other administrative matters in connection with credit.

Essential Functions :

  • Review the credit application and all calculations presented, the appraisal report, the environmental report, the rent roll, the lease agreements, the preliminary title report, the financial statements, the tax returns, the corporate documents, compliance requirements and compliance clearance.
  • Complete the appraisal review for new loan applications.
  • Prepare the credit assessment for new credit proposals and credit renewals.
  • Communications with frontline teams on collecting the required documents to process a loan as well as revising the credit proposals.
  • Recommend commercial loan and trade service transactions in the GCMS loan system (collateral, customer rating, facility rating, credit limit, loan agreement and loan advances).
  • Review and update Bankpoint for pipeline reporting / tracking purpose of new loans.
  • Call back after a new loan booking including completion of the required closing checklist.
  • Participate in property inspections.
  • Assist to review loan documentation to ensure accuracy and compliance with law and Bank policy.
  • Perform other duties and assignments as required.
  • Observe strictly the code of ethics of the Department / Bank.

Competencies :

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

  • Language Skills. Ability to read and interpret documents (such as operating and procedure manuals); ability to write routine reports and correspondence; and ability to speak effectively to employees of the organization.
  • Mathematical Skills. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
  • Computer Skills. To perform this job successfully, an individual should have knowledge of the Database software; Word-processing software; Internet software and Spreadsheet software.
  • Must be well organized and have excellent proof-reading ability.
  • Position requires independent judgment and performance of high-level tasks.
  • Analytical - synthesize complex or diverse information; collect and research data; and use intuition and experience to complement data.
  • Problem Solving - gather and analyz​e information skillfully; and develops alternative solutions.
  • Interpersonal Skills - maintain confidentiality.
  • Oral Communication - speak clearly and persuasively in positive or negative situations; and listen to and seek clarification.
  • Written Communication - write clearly and informatively.
  • Teamwork - exhibit objectivity and openness to others' views.
  • Ability to perform services in person from a Bank office or Branch to, among other things, access the Bank’s computer systems and engage in an interactive environment with co-workers.

    • 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. Work is completed in person in an office environment. Walking around the office and talking to employees and supervisors is also required.

    Appropriate reasonable accommodations that not cause undue hardship will be made to enable qualifying individuals with disabilities to perform the essential functions of the job.

    Travel Requirements :

    Some travel for property inspections is required.

    Required Education and Experience :

  • Bachelor's degree (B. A. or B. S.) from four-year college or university.
  • Three to seven years of related experience and / or training.
  • Equivalent combination of education and experience.
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    Credit Officer • Alhambra, CA, US