Business Officer/Loan Underwriter San Francisco

Job Title: Business Officer/Loan Underwriter

Location – San Francisco

Summary/Objective:

1. Support frontline departments to conduct the due diligence for the
   new business opportunities. Work closely with Account Officers
   and Credit department in order to provide any mitigation/
   recommendation for the proposal and close business deals successfully in a
   timely manner.
   
2. Assist frontline departments with financial analysis for both
   existing and potential customers in preparation of credit proposal and
   annual review.
   

Required Education and Experience:

Bachelor's degree (B. A. or B. S.)
with Accounting or Finance major preferred from four -year college or
university. MBA/MS degree preferred. At least 3 years related experience and/or
training; or equivalent combination of education and experience.

Essential Functions:

1. Follow -through with front -line department, credit department and
   loan operation department through all phases of the underwriting process.
   
2. Maintain customer relationship and provide good services.
   
3. Analyze borrower/guarantor financial information including tax
   return, rent roll, etc. to determine the property’s debt carrying ability
   and the borrower’s capacity to repay.
   
4. Full knowledge in commercial real estate mortgage (CRE), small
   business lending product (include but not limited to C&I, LOC, and
   etc.), and financial institution (FI) evaluation.
   
5. Spread and analyze personal and corporate financial statements, and
   prepare credit proposal.
   
6. Prepare various weekly/monthly reports for management, or other departments.
   
7. Participate in special projects as required.
   
8. Ability to adapt to a changing environment and handle multiple priorities
   
9. Excellent writing and analytical skills
   
10. Perform administrative responsibilities including taking notes
    during meetings, preparing correspondence, and managing files
    
11. Performs other duties as assigned.
    
12. Collect business and credit information and references
    
13. Coordinate with attorneys and frontline officers to prepare loan
    closings
    

Competencies:

1. Quality Management – demonstrates accuracy and thoroughness.
   
2. Time management - manage multiple priorities, and complete the
   assignments on schedule.
   
3. Customer service – responds promptly to customer needs and meets commitments.
   
4. Oral communication – communicate with customers and branch employees
   effectively and clearly.
   
5. Analytical - Collects and researches data; Uses intuition and
   experience to complement data.
   
6. Problem Solving - Identifies and resolves problems in a timely
   manner; Gathers and analyzes information skillfully; Develops
   alternative solutions; Uses reason even when dealing with emotional topics.
   
7. Written Communication - Writes clearly and informatively;
   Able to read and interpret written information.
   
8. Ability to perform services in person from a Bank office or branch
   to, among other things, access the Bank’s computer systems and engage in
   an interactive environment with co -workers.
   

Supervisory Responsibility: None

.

Language/Communication Skills:

Able to write routine reports and
correspondence in Chinese and English. Fluency in Cantonese/Mandarin and
English.