Bank of Hope

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SBA Credit Analyst (Recent Grad/ Bilingual Korean preferred)

at Bank of Hope

Posted: 12/5/2019
Job Status: Full Time
Job Reference #: 72b0f26b-cd2c-48da-ba62-53586430a72b
Keywords: financial

Job Description

Position Information

Job Title: SBA Credit Analyst

Department: SBA Department

FLSA Status: Non-Exempt

Reports to: SBA Team Leader

Full/Part Time Status: Full-Time

Work Location: Nationwide

Travel Requirement: 0-10%

 

Education

Minimum Education Level: High School Diploma

Combination of Experience and Education can meet the job requirements: Yes

 

Language Requirement

English:  Written: Advanced   Verbal: Fluent

Korean: Written: N/A      Verbal: N/A  

 

Computer/Systems Knowledge Requirements

Microsoft Outlook: Basic

Microsoft Word: Basic

Microsoft Excel: Basic

Microsoft PowerPoint: Basic

 

Responsibilities & Duties

·         Comply with the Bank’s established loan policies and procedures.

·         Comply with SBA guidelines, procedures, and eligibility requirements.

·         Comply with regulatory requirements including Bank Secrecy Act – Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, and Community Reinvestment Act.

·         Meet with customers and respond to their inquiries based on the guidelines established by the Bank and the SBA.

·         Pre-screen all customers by interviewing, reviewing credit history, compiling initial cash flows, and SBA eligibility prior to any loan commitment.

·         Once the loan is under process, collect all required documents (tax returns, financial information, SBA documents, etc…) from the applicants and make sure they are within the time frame allotted by SBA.

·         Verify all necessary documents required by SBA.

·         Order appraisal and Phase I reports for property purchase loans (if necessary).

·         Once all of the required documents are received from the applicant and outside source, begin underwriting process.

·         Once underwriting is complete, present the loan to the manager for approval. If the loan amount exceeds the delegated lending limit, present the loan to the Management Loan Committee for approval.

·         Once the loan process is complete and the loan has been funded, continue to properly monitor the loan and follow up when necessary.

·         Participate in community services to enhance the bank’s CRA activities and to improve bank’s image.

 

Job Qualifications/Requirements                                                                                                                                                                            

·         Required: Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone.

·         Required: Ability to respond effectively to the most sensitive inquiries or customer complaints.

·         Required: Ability to make effective and persuasive speeches and presentations on controversial or complex topics to top management, employees, regulators, or board members.

·         Required: Excellent analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions.

·         Required: Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

 

Physical Demands

Lifting/Carrying

Under 10 lbs: Occasional (1% - 33% of the time)

11-20 lbs: Occasional (1%-33% of the time)

Pushing/Pulling

Under 10 lbs: Occasional (1% - 33% of the time)

11-20 lbs: Occasional (1%-33% of the time)

Twisting/Turning

Reach over shoulder: Rarely (Less than 1 hour per week)

Reach over head: Rarely (Less than 1 hour per week)

Reach outward: Rarely (Less than 1 hour per week)

Climb: Rarely (Less than 1 hour per week)

Crawl: Frequent (34% - 66% of the time)

Kneel: Frequent (34% - 66% of the time)                                                                                                                        

Squat: Rarely (Less than 1 hour per week)

Sit: Constant (Over 66% of the time)

Walk-Normal Surfaces: Occasional (1% - 33% of the time)

Walk-Uneven Surfaces: Rarely (Less than 1 hour per week)

Walk-Slippery Surfaces: Rarely (Less than 1 hour per week)

Stand: Occasional (1% - 33% of the time)

Bend: Rarely (Less than 1 hour per week)

Other

Keyboard/Ten Key: Constant (Over 66% of the time)

Fingering (fine dexterity): Frequent (34% - 66% of the time)

Handling (grasping, holding): Frequent (34% - 66% of the time)

Repetitive Motion – Hands: Constant (Over 66% of the time)

Repetitive Motion – Feet: Rarely (Less than 1 hour per week)