This incumbent will maintain comprehensive knowledge of the commercial banking, especially on Small and Medium Enterprise (SME) and corporate loan products and services. S/he will support business and client volume based on the risk appetite of the Bank, accelerating the development of SME and corporate business and enhancing service levels. In addition, s/he will conduct underwriting and post lending management on SME and commercial loan.

Job Responsibilities:

Business Development

· Support innovations to SME business and promote sustainable and sound development of the SME services

· Support implementation of the SME development strategies and proactively seize market opportunities to expand client base

· Underwrite loan business, develop and maintain positive business relationship with customers

· Participate in various marketing, prospecting and networking activities to build business relationship for prospective new lending opportunities

Credit Risk Control and Post Lending Management

· Prepare annual reviews, credit related memos, site visits and presentation reports

· Address post lending questions or issues, including updating post lending tickler to ensure receipt of all documents required per loan management

Compliance

· Work and coordinate with Quality Control Unit and BSA section to perform customer account reviews for new and existing loan customers and inform customers of regulatory compliance requirement

· Help define high-risk business character for current portfolio and enhance BSA/KYC and risk rating of commercial loan

· Handle loan business according to all Bank policies and procedures, as well as OFAC/KYC requirements

Customer Service Operations

· Ensure all documents required per loan agreement have been obtained and uploaded to centralized documentation storage

· Review the completeness of loan application, term sheet preparation, arrange appraiser to appraise the value of properties and order credit reports, review appraisal report, engineer, environmental and credit reports

· Prepare credit recommendation report and commitment letter after loan approval, negotiate loan documentation, arrange the closing and prepare the closing documents

· Monitor loan portfolio activities, and escalate any unusual and irregular activities to manager where applicable

Job Requirements:

· · Bachelor’s Degree or above, preferred major in Finance, Economics, Accounting or relevant fields

· Minimum 5 years of SME and corporate lending experience within Banking

· Sound knowledge of due diligence process, regulatory and compliance, as well as credit analysis, Commercial Real Estate, and product knowledge

· Strong knowledge of credit underwriting and portfolio management

· Demonstrate proficiency in Microsoft Word, Excel, Access, PowerPoint

· Bilingual ability in Mandarin and English required

The salary range for the Associate position is $65,000-$150,000. Actual salary is commensurate with candidate’s relevant years of experience, skillset, education and other qualifications.

Job Type: Full-time

Pay: $65,000.00 - $150,000.00 per year

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Vision insurance

Schedule:

• Monday to Friday

Work setting:

• In-person

Work Location: In person