The hiring company is the largest bank in the world by total assets. It has its presence in six continents, and its overseas network has expanded to more than 40 countries and regions. For several times, the hiring company was ranked in the first place of the largest public enterprise in the world among the Global 2000 listed by the US magazine Forbes.
Job Responsibilities: Underwrite credit assessments. Review, verify accuracy and assess new loan credit proposals from simple to very complicated situations. Credit officer is required to review and analyze financial statements, tax returns and operating statements to assess credit risks. Verify accuracy of spreadsheets of borrowers/guarantors’ financial statements and cash flow projections. Make appropriate recommendations to enhance quality of proposals. Analyze and assess annual reviews of existing borrowers. Familiar with USPAP, appraisal reports, Phase One Environmental Report, various kinds of lease agreements and the Uniform Commercial Code. Assist in reviewing loan documents to ensure consistency and compliance with governing laws, bank policies and approved terms and conditions. Familiar with 10K reports of public companies. Accept orders for real estate appraisals for loans. Contact appraisers, obtain price quote, turn-around time and prepare appraisal orders. Provide leases, operating statements, preliminary title reports to appraisers. Act as contact person to resolve appraisal problems, mistakes and possible issues between appraisers and front line officers. Resolving any billing issues. Responsible for security and control of credit files. Responsible for the safekeeping of credit files and contents. Identify, collect and ship unused credit files to storage with proper records. Responsible for ordering and retrieving credit files from storage when needed. Review periodic reports of the Credit Department such as Annual Review Progress report on weekly and monthly basis. Review renewed and reviewed reports, quarterly and annual HDMA report, Emerging Problem Loan report and Past Due and Problem loan report. Assist the Credit Manager in managing the department when requested or in his absence. Liaise with New York and Beijing colleagues for the use of the in house GCMS system, verify accuracy of various entries. Be an effective team member and collaborate with employees from other departments. Performs other related duties and assignments as assigned.
Job Requirements: Good knowledge of GCMS and FOVA systems or other asset/liability systems. Knowledgeable in Excel, Word, Power Point and other financial spreadsheet software. Good grasp of generally acceptable accounting principles, excellent business writing skills. Good working Knowledge of Window based personal computer and software packages. Excellent interpersonal and communication skills. Knowledge of appraisal technique, the Uniform Commercial Code, real estate principle and California real estate laws. Physical Demands: This is largely a sedentary role, requiring use of typical office equipment such as a computer, laptop and cell phone. Most work is completed in an office environment. Walking around the office and talking to employees and supervisors is required. Travel Requirements: Credit officer is required to conduct client and site visits locally with some out of state trips as well. Bachelor's degree from a four-year college or university in Business Administration or Economics Seven to ten + years of related experience with credit training. Equivalent combination of education and experience is acceptable. A valid California driver’s license is required. Proficiency in verbal and written English. Mandarin and Cantonese speaking a plus.
HOW TO APPLYPlease send your resume to:[email protected] The Format of Email Subject:[Job ID] + [Applicant Full Name]
Job Responsibilities:
Underwrite credit assessments. Review, verify accuracy and assess new loan credit proposals from simple to very complicated situations. Credit officer is required to review and analyze financial statements, tax returns and operating statements to assess credit risks. Verify accuracy of spreadsheets of borrowers/guarantors’ financial statements and cash flow projections. Make appropriate recommendations to enhance quality of proposals. Analyze and assess annual reviews of existing borrowers. Familiar with USPAP, appraisal reports, Phase One Environmental Report, various kinds of lease agreements and the Uniform Commercial Code. Assist in reviewing loan documents to ensure consistency and compliance with governing laws, bank policies and approved terms and conditions. Familiar with 10K reports of public companies. Accept orders for real estate appraisals for loans. Contact appraisers, obtain price quote, turn-around time and prepare appraisal orders. Provide leases, operating statements, preliminary title reports to appraisers. Act as contact person to resolve appraisal problems, mistakes and possible issues between appraisers and front line officers. Resolving any billing issues. Responsible for security and control of credit files. Responsible for the safekeeping of credit files and contents. Identify, collect and ship unused credit files to storage with proper records. Responsible for ordering and retrieving credit files from storage when needed. Review periodic reports of the Credit Department such as Annual Review Progress report on weekly and monthly basis. Review renewed and reviewed reports, quarterly and annual HDMA report, Emerging Problem Loan report and Past Due and Problem loan report. Assist the Credit Manager in managing the department when requested or in his absence. Liaise with New York and Beijing colleagues for the use of the in house GCMS system, verify accuracy of various entries. Be an effective team member and collaborate with employees from other departments. Performs other related duties and assignments as assigned.
Job Requirements: Good knowledge of GCMS and FOVA systems or other asset/liability systems. Knowledgeable in Excel, Word, Power Point and other financial spreadsheet software. Good grasp of generally acceptable accounting principles, excellent business writing skills. Good working Knowledge of Window based personal computer and software packages. Excellent interpersonal and communication skills. Knowledge of appraisal technique, the Uniform Commercial Code, real estate principle and California real estate laws. Physical Demands: This is largely a sedentary role, requiring use of typical office equipment such as a computer, laptop and cell phone. Most work is completed in an office environment. Walking around the office and talking to employees and supervisors is required. Travel Requirements: Credit officer is required to conduct client and site visits locally with some out of state trips as well. Bachelor's degree from a four-year college or university in Business Administration or Economics Seven to ten + years of related experience with credit training. Equivalent combination of education and experience is acceptable. A valid California driver’s license is required. Proficiency in verbal and written English. Mandarin and Cantonese speaking a plus.
HOW TO APPLY Please send your resume to: [email protected]
The Format of Email Subject: [Job ID] + [Applicant Full Name]