AVP, Loan Review Officer

Analyze loans for credit quality and adherence to bank policy. Act as Examiner-In-Charge of assigned lending unit reviews and prepare comprehensive reports for distribution to management. Assist in the loan sampling process for lending unit reviews and in other departmental functions as necessary.

• Primarily responsible for assessment of the accuracy of assigned internal credit risk ratings, non-compliance with Bank policies and procedures, loan weaknesses and violations of laws and regulations so that timely corrective actions can be taken.
• Assists in the development and execution of the annual Loan Review Plan for comprehensive portfolio reviews to determine asset quality and portfolio management effectiveness, continuous portfolio monitoring, and targeted reviews.
• Assists Examiner-in-Charge in the performance of examinations, and eventually independently leads the examinations of less complex or smaller loan portfolios.
• Performs risk-based reviews of Bank loan portfolios to identify current or potential problems, as well as positive elements, regarding the assessment of credit risk and the administration of Bank credit/loan exposure.
• Identifies, recommends and effects process changes as it is related to credit risk management activities, regulatory statutes, credit policy and general credit underwriting guidelines.
• Interprets and evaluates Bank Credit Policy and assures that proper credit controls are in place to appropriately manage credit risk. Monitors adherence to such policies and validates that exceptions are adequately identified, fully justified and properly approved.
• Acts as internal advisor/partner to Bank's line units regarding loan and credit matters and provides guidance in areas that require further development.
• Maintains awareness of the current regulatory/industry trends impacting the Bank's credit areas.
• Promotes teamwork within the department to ensure that knowledge and experience is shared among team members.
• Prepares departmental reports and other portfolio reporting as requested by management.
• Completes all required training and special projects as requested.
• Participates in due diligence reviews for portfolio acquisitions, and mergers.

• Education: Bachelor's degree in accounting, business administration, finance, or economics preferred.
• Experience:
  
  
  
  • 3-5 years of commercial lending experience with at least three years in a credit/loan review function, preferably in a commercial banking environment.
    Experience as a bank examiner, or with a consulting/accounting firm is also acceptable.
  • Experience in specialized lending such as asset-based lending (ABL), energy (including oil & gas), shared national credits (SNC). and syndicated lending is a plus. Previous experience in leading teams responsible for credit analysis and assessment is desirable.
  
  
  
  
• Skills/Ability:
  
  
  
  • A thorough understanding of analyzing various types of commercial and middle market credits is required, along with understanding of high net worth and private client lending and retail loan products is desired.
  • Must be able to work successfully in a client focused, consultative work environment.
  • Strong interpersonal skills, verbal and written communication skills, and project management skills.
  • Thorough knowledge and operational skills in the use of computers and various software packages, including Excel and Word.
    
  
  
  
  

OTHER DETAILS

Sign On Bonus if hired before December 31, 2025.

$90K - $105K / year

Pay determined based on job-related knowledge, skills, experience, and location.

This position may be eligible for a discretionary bonus.

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).

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