Loan Portfolio Officer

GENERAL SUMMARY

Following established policies and procedures, the Loan Portfolio Officer is responsible for maintaining and monitoring the existing portfolio and growing / developing the customer relationship.

Work with the Underwriting Department to provide required information for loan underwriting on both new and renewal credits.

Product types include all facets of commercial loans and construction loans. The incumbent will provide mentoring and coaching to junior staff.

ESSENTIAL FUNCTIONS

• Ensure compliance with Bank, regulatory and credit requirements with emphasis on quality customer service
• Prepare and review various reports such as : credit underwriting documents, compliance checks, financial spreads, past due report, tickler report, exception report and pipeline reports etc.
• Assist customers and follow up on outstanding items such as, analyzing customer financial statements and verifying covenant compliance.
• Assist with training of loan assistants
• Manage and maintain a loan portfolio which includes : evaluating, recommending and structuring loans; monitoring quarterly financial statements and addressing any issues;

recommending loan amendments and renewals based on customer needs

QUALIFICATIONS

• Education : College graduate with major in accounting or business preferred.
• Experience : 3-4 years corporate commercial lending and banking experience with thorough knowledge of lending regulations and credit / underwriting practices.
• Skills / Ability : PC proficient. Strong verbal and written communication skills. Bilingual (English / Mandarin or Cantonese) a plus.

Organized and detail oriented. Good credit knowledge of Bank’s credit underwriting policies and approval process for assigned

loan. Capability to work independently with minimal or no supervision. Ability to work effectively in a fast paced, high production environment.

Strong financial analysis and accounting skills.

Cathay Bank offers its full-time employees a competitive benefits package which is a significant part of their total compensation.

It is our goal to provide employees with a comprehensive benefits package to fit their needs which includes, coverage for medical insurance, dental insurance, vision insurance, life insurance, long-term disability insurance, and flexible spending accounts (FSAs), health saving account (HSA) with company contributions, voluntary coverages, and 401(k).

Cathay Bank may collect personal information from potential job candidates and applicants. For more information on how we handle personal information and your applicable rights, please review our Privacy Policy.

Cathay Bank is an Equal Opportunity and Affirmative Action Employer. We believe in diversity, equity, and inclusion in the workplace.

We welcome applications for employment from all qualified candidates, regardless of race, color, ethnicity, ancestry, citizenship, gender, national origin, religion, age, sex (including pregnancy and related medical conditions, childbirth and breastfeeding), reproductive health decision-making, sexual orientation, gender identity and expression, genetic information or characteristics, disability or medical condition, military status or status as a protected veteran, or any other status protected by applicable law.

Click here to view the EEO is the Law poster in English. Poster- English

Click here to view the EEO is the Law supplement in English.Supplement- English

Clic aquí para ver la EEO es la Ley póster en español. Poster- Spanish

Clic aquí para ver la EEO es la Ley suplemento en español.Supplement- Spanish

点击这里查看EEO是法律海报的中文Poster- Chinese

点击这里查看EEO是法律和补充條例的中文"Supplement- Chinese