Senior Credit Analyst

Hanmi Bank

SUMMARY

The position of Senior Credit Analyst is responsible for managing the Commercial, C&I, SBA, Real Estate Lending, Consumer and Commercial Equipment Leasing loan process and preparation of relationship global cash flow analysis and Management Reporting: Support Company's Lending units with Credit memorandums and financial analysis of new and exist lending relationships.

Ensures compliance with established Bank policies and procedures. Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA (Gramm-Leach-Bliley Act), Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act) Regulation B (Equal Credit Opportunity Act), DoddFrank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act.

REQUIRED DUTIES

MINIMUM REQUIREMENTS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

• Bachelor's degree highly preferred; High school diploma and 3+ plus years work experience and/or training in commercial or SBA lending specifically, property cash flow analysis and appraisal valuation methods. .

• Commercial real estate and/or SBA analysis/underwriting experience a plus

• Strong problem solving, analytical and decision making skills.

• Able to handle multiple transactions at once and work well in a team-oriented environment

• Strong customer service skills, relationship development and management skills

• Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing and spreadsheet software programs.

• Intermediate typing skills to meet production needs of the position.

• Intermediate math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.

• Good verbal, written and interpersonal communication skills, with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees.

• Ability to deal with complex problems involving multiple facets and variables in non-standardized