Senior Credit Reviewer

Introduction

Since 1973, East West Bank has served as a pathway to success. With over 110 locations across the U.S. and Asia, we are the premier financial bridge between the East and West. Our teams of experienced, multi-cultural professionals help guide businesses and community members on both sides of the Pacific looking to explore new markets and create new opportunities, and our sustained growth and expertise in industries like real estate, entertainment and media, private equity and venture capital, and high-tech help build sustainable businesses and expand our associates’ potential for career advancement. 

Headquartered in California, East West Bank (Nasdaq: EWBC) is a top-performing commercial bank with a strong foundation, an enterprising spirit and a commitment to absolute integrity. East West Bank gives people the confidence to reach further.

Responsibilities

• Act as an Examiner In Charge (“EIC”) and help facilitate / coordinate examinations, as requested. 
• When acting as an EIC, conduct secondary loan file reviews to assess the adequacy and effectiveness of the Bank’s direct lending credit risk management policies and processes (e.g., loan classification, loan risk grading, identification of potential credit weaknesses, etc.). 
• Prepare portfolio reports and make recommendations to management, as appropriate.
• When not acting in capacity as an EIC, Line sheet preparation to complete loan review plan.
• Conduct file reviews to assess the adequacy and effectiveness of the Bank’s direct lending credit risk management policies and processes (e.g., loan classification, loan risk grading, identification of potential credit weaknesses, etc.).
• Attempt to obtain all possible evidence through loan files, Relationship Managers, and management prior to determining risk rating differences; explain IAR’s position in a factual, non-judgmental, and unbiased manner.  
• Ensure that the results of the reviews are adequately documented and the conclusions reached are sufficiently supported.  Work papers should be complete and self-explanatory to an equally-qualified credit reviewer.
• Must identify and describe weaknesses noted during reviews including, but not limited to, underwriting, monitoring, collateral and documentation in order to provide support for decisions to upgrade or downgrade loans during the review, and render a conclusion on the portfolio examined, as well as make recommendations for the improvement of the underwriting and credit administration processes.  
• Must have sound judgment in assessing potential findings for significance.
• Provide hands on technical supervisory guidance to IAR Credit Reviewers to ensure consistent analysis methodologies are being applied across the department.
• Perform continuous monitoring, testing, validation, and remediation of prior IAR findings.
• Perform other duties as assigned.

Qualifications

• 10+ years of commercial banking experience including underwriting, credit analysis, loan review, portfolio management and/or relationship manager and loan work-out.
• Must have loan review experience.
• Experience with different types of complex commercial credits and specialized lending products.
• Must have an understanding of bank/lending regulations. Must be knowledgeable of the Bank's lending policies, IAR policies and procedures.
• Be aware of applicable federal and state banking regulations.
• Must aware of all new loan products and applicable policies and procedures of the Bank related to credit and underwriting.
• Must understand that the impact of regulatory, economic and industry developments may significantly affect the risk profile of the Bank’s credit portfolio.
• Must have an understanding of credit principles and strong analytical skills in, including but not limited to, operating cash flows, borrower cash flows, loan documents and collateral protection based on the review of documents.

Applicants must have legal authorization to work in the United States.  We do not offer visa sponsorship at this time.  

Compensation