Credit Analyst I
Company: Cathay General Bancorp
Location: El Monte
Posted on: September 1, 2025
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Job Description:
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. GENERAL SUMMARY Perform the
analysis of financial statements and tax returns using nCino for
Account Officers to use in their recommendations for new and
renewal extensions of credit. Calculate various financial ratios to
assist in the ongoing monitoring of borrower compliance to
financial covenants per loan agreements and the submission of
financial documents. ESSENTIAL FUNCTIONS • Manages ticklers and
covenants and monitors receipt of financial documents pertaining to
the existing credits using nCino. This may include financial
statements for borrowers, owners and/or guarantors, tax returns,
financial spreads, collateral information, covenants, borrowing
base, credit reports, and projections. • Prepares and analyzes
financial spreads using nCino for private and public companies,
prospect, individual and corporate tax returns according to the
standard classification and guidelines established by the Bank. •
Prepares individual and global cash flows. • Calculates covenant
compliance based on Borrower’s Loan Agreement (BLA). • Forwards
completed spreads to lending unit. Identifies and notifies lending
unit of covenant violations and escalates to Credit Administrators
as required. • Maintains up-to-date knowledge on all Bank lending
policies and regulations. • Maintains up-to-date knowledge in
financial spreads and basic GCF process. • Completes quality
spreads with supervision. QUALIFICATIONS • Education: College
degree in Finance, Accounting, Business, or related field
preferred, or 2 years related experience in credit or financial
analysis. Intermediate accounting is required or must be completed
within 18 months of hire. • Experience: Minimum one year (prefers
two) of working experience in analyzing financial statements, cash
flow analysis, familiarity with various industries, collateral
issues and values, and analysis of guarantor personal financial
statements and tax returns. • Skills/Ability: Good working
knowledge of accounting, credit policy and financial statement
analysis. Good organizational and analytical skills. Good verbal
and written communication skills. Ability to work successfully both
independently and as a team player. Proficient in Microsoft Office
(Word, Excel, PowerPoint, and Outlook).
Keywords: Cathay General Bancorp, Covina , Credit Analyst I, Accounting, Auditing , El Monte, California
