AVP, Loan Review Officer

People Drive Our Success

Are you enthusiastic, highly motivated, and have a strong work ethic? If yes, come join our team! At Cathay Bank - we strive to provide a caring culture that supports your aspirations and success. We believe people are our most valuable asset and we proudly foster growth and development empowering you to achieve your professional goals. We have thrived for 60 years and persevered through many economic cycles due to our team members' drive and optimism. Together we can make a difference in the financial future of our communities.

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As a special consideration, if hired on for before December 31, 2025, you will receive a sign-on bonus of $7,500.00 , less the usual and customary taxes and deductions required by law and as otherwise authorized by you, on the next available payroll following your completion of the first 90 days of employment.

GENERAL SUMMARY

Analyze loans for credit quality and adherence to bank policy. Act as Examiner-In-Charge of assigned lending unit reviews and prepare comprehensive reports for distribution to management. Assist in the loan sampling process for lending unit reviews and in other departmental functions as necessary.

ESSENTIAL FUNCTIONS

• Primarily responsible for assessment of the accuracy of assigned internal credit risk ratings, non-compliance with Bank policies and procedures, loan weaknesses and violations of laws and regulations so that timely corrective actions can be taken.
• Assists in the development and execution of the annual Loan Review Plan for comprehensive portfolio reviews to determine asset quality and portfolio management effectiveness, continuous portfolio monitoring, and targeted reviews.
• Assists Examiner-in-Charge in the performance of examinations, and eventually independently leads the examinations of less complex or smaller loan portfolios.
• Performs risk-based reviews of Bank loan portfolios to identify current or potential problems, as well as positive elements, regarding the assessment of credit risk and the administration of Bank credit / loan exposure.
• Identifies, recommends and effects process changes as it is related to credit risk management activities, regulatory statutes, credit policy and general credit underwriting guidelines.
• Interprets and evaluates Bank Credit Policy and assures that proper credit controls are in place to appropriately manage credit risk. Monitors adherence to such policies and validates that exceptions are adequately identified, fully justified and properly approved.
• Acts as internal advisor / partner to Bank's line units regarding loan and credit matters and provides guidance in areas that require further development.
• Maintains awareness of the current regulatory / industry trends impacting the Bank's credit areas.
• Promotes teamwork within the department to ensure that knowledge and experience is shared among team members.
• Prepares departmental reports and other portfolio reporting as requested by management.
• Completes all required training and special projects as requested.
• Participates in due diligence reviews for portfolio acquisitions, and mergers.

QUALIFICATIONS

Experience :

Experience as a bank examiner, or with a consulting / accounting firm is also acceptable.

Skills / Ability :

OTHER DETAILS

$90K - $105K / year

Pay determined based on job-related knowledge, skills, experience, and location.

This position may be eligible for a discretionary bonus.

Cathay Bank offers its full-time employees a competitive benefits package which is a significant part of their total compensation. It is our goal to provide employees with a comprehensive benefits package to fit their needs which includes, coverage for medical insurance, dental insurance, vision insurance, life insurance, long-term disability insurance, and flexible spending accounts (FSAs), health saving account (HSA) with company contributions, voluntary coverages, and 401(k).

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Cathay Bank is an Equal Opportunity and Affirmative Action Employer. We welcome applications for employment from all qualified candidates, regardless of race, color, ethnicity, ancestry, citizenship, gender, national origin, religion, age, sex (including pregnancy and related medical conditions, childbirth and breastfeeding), reproductive health decision-making, sexual orientation, gender identity and expression, genetic information or characteristics, disability or medical condition, military status or status as a protected veteran, or any other status protected by applicable law.

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Cathay Bank endeavors to make www.CathayBank.com accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact, Mickey Hsu, FVP, Employee Relations Manager, at (626) 582-7370 or mickey.hsu@cathaybank.com . This contact information is for accommodation requests only and cannot be used to inquire about the status of applications.