Cathay Bank - El Monte, CA
posted 6 months ago
As an AVP, Loan Review Officer at Cathay Bank, you will play a crucial role in analyzing loans for credit quality and ensuring adherence to bank policies. This position may require you to act as the Examiner-In-Charge for assigned lending unit reviews, where you will prepare comprehensive reports for distribution to management. Your responsibilities will include assisting in the loan sampling process for lending unit reviews and supporting other departmental functions as necessary. In this role, you will perform detailed loan file reviews of the lending unit's portfolios, evaluating loan credit quality, risk identification, policy compliance, support for credit decisions, and loan structure. You may also host exit meetings for the respective units to discuss findings, issues, and concerns, and prepare and draft the Loan Review Report to communicate your findings to Unit Management, Senior Management, and the Audit Committee. Additionally, you will assist in various departmental tasks, attend PLR meetings to ensure that loans reviewed are appropriately risk-rated, and participate in special projects and targeted reviews. Your efforts will contribute to the development of monitoring procedures and analysis of the Bank's loan portfolio to identify and research significant trends. You will also collaborate with personnel from other departments and external entities, such as KPMG and regulators, to enhance department and Bank procedures for loan review, processes, methodology, risk ratings, exceptions monitoring, and management reporting.