Credit Analyst

JOB SUMMARY

Responsible for underwriting and coordinating the closing of loans in compliance with the Bank’s lending policies and procedures. Complies with all regulations which apply within the scope of the position, including Bank Secrecy Act.

DUTIES

• Prepare detailed credit memorandum and loan write ups to support credit approval recommendations.
• Analyze borrower financial statements, tax returns, cash flow, collateral, and credit report to assess repayment capacity and credit risk.
• Prepare and process credit amendments, waivers, renewals, and extensions as needed.
• Coordination with relationship manager, credit officers, and loan operation to facilitate timely and accurate loan closings.
• Review loan documentation for completeness, accuracy, and compliance with approved credit terms and bank policies.
• Maintain and update customer credit files, account record, and supporting documentation.
• Maintain or update records of customer account activity, including financial transactions.
• Monitor/review existing accounts to detect potential problems and suspicious activities; apply problem account administration according to regulations and the Bank’s policies and procedures.
• Perform other duties as assigned.

QUALIFICATIONS

• EDUCATION: Bachelor’s degree or equivalent in accounting, finance, mathematics or statistics.
• EXPERIENCE: Minimum 3 years in underwriting pertinent loans.

SKILLS/ABILITIES

• Strong analytical and underwriting skills
• PC proficiency in Word and Excel
• Excellent verbal and written communication skills

Applicants must be authorized to work in the United States without the need for visa sponsorship now or in the future.

WHY WORK FOR US?

Since opening our first branch in Los Angeles in 2008, Royal Business Bank (RBB) has grown rapidly by adding branches in Southern California, Nevada, New York, New Jersey, Chicago and Hawaii. We offer a comprehensive and innovative suite of banking services for individuals and businesses. We have great benefits that include, but not limited to:

• Medical insurance
• Vision insurance
• Dental insurance
• 401(k)
• Disability insurance

Royal Business Bank may collect personal information from potential job candidates and applicants. For more information on how we handle personal information and your applicable rights, please review our Privacy Policies (GLBA Privacy Notice, California Consumer Privacy Act and Online Privacy) at our website www.royalbusinessbankusa.com. Royal Business Bank is an Equal Employment Opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.