• Commercial Equipment Leasing Credit Analyst

    Job Locations US-CA-Irvine
    Equipment Leasing
  • Overview

    This position is responsible for managing the Commercial, C&I, SBA, Real Estate Lending, Consumer Lending and Commercial Equipment Leasing loan process and preparation of relationship global cash flow analysis and Management Reporting: Support Company’s Lending units with Credit memorandums and financial analysis of new and exist lending relationships. Reports to the Credit Manager.


    Ensures compliance with established Bank policies and procedures. Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA (Gramm-Leach-Bliley Act), Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act) Regulation B (Equal Credit Opportunity Act), Dodd–Frank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act.


    • Identifies, collects, and analyzes credit analysis and global cash flow to assess credit risk.
    • Conducts site visits, meetings, and interviews with borrowers.
    • Prepares file approval memorandums summarizing results and validates Credit Risk Ratings in compliance with the Company’s policy and procedures.
    • Monitors delinquencies, covenant compliance, etc.
    • Supports commercial lending in other credit matters as assigned.
    • Contacts borrowers to obtain additional supporting information. 
    • Prepares spreadsheets and calculates appropriate rations and other financial information. 
    • Provides direct support to Senior Credit Officers/Credit Manager to develop and analyze all relevant credit information in conjunction with account officers pertaining to more complex commercial and business loans 
    • May assists and reviews work of less experience credit analysts.
    • Maintains knowledge of the Company’s underwriting and lending guideline
    • Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions. 
    • Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.  
    • Follows policies and procedures; completes tasks correctly and on time; supports the company’s goals and values.
    • Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct.
    • Performs duties specific to the position and other functions as assigned.


    These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

    • Bachelor's degree highly preferred; High school diploma and 1-2 years work experience and/or training in commercial or SBA lending – specifically, property cash flow analysis and appraisal valuation methods.
    • Commercial real estate and/or SBA analysis/underwriting experience a plus, but not required.
    • Speaking, reading and writing in Korean is a plus, but not required.
    • Ability to deliver bilingual customer service in Korean, Gujarati, Urdu, Hindi, Chinese, Vietnamese, or Spanish is preferred, but not required.
    • The ability to comprehend and explain financial calculations and pricing alternatives.
    • Experience, knowledge and training in underwriting activities and terminology.
    • Knowledge of laws and regulations governing lending including but not limited to fair lending, privacy and RESPA.
    • Strong problem solving, analytical and decision making skills.
    • Able to handle multiple transactions at once and work well in a team-oriented environment 
    • Strong customer service skills, relationship development and management skills
    • Basic skills in computer terminal and personal computer operation; mainframe computer system; word processing and spreadsheet software programs. 
    • Intermediate typing skills to meet production needs of the position.
    • Basic math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
    • Good verbal, written and interpersonal communication skills, with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees 
    • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
    • Ability to work with no supervision while performing duties.
    • Current driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

    We will consider for employment all qualified Applicants, including those with Criminal Histories, in a manner consistent with the requirements of applicable state and local laws, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance.


     We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.


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