Loan Portfolio Underwriter and Analyst

  • KEB Hana Bank USA
  • 222 Bridge Plaza South, Fort Lee, NJ, USA
  • Nov 04, 2021
Full time Banking

Job Description

We are currently looking for a Loan Portfolio Underwriter and Analyst to oversee and monitor the Bank’s portfolio of CRE, C&I and SBA loans to small and medium-sized businesses. This position is based in our new corporate headquarters in Fort Lee, NJ, minutes from the George Washington Bridge. 

 

As a Loan Portfolio Underwriter and Analyst, you will:  

 

  • Review industry information and comparisons, key risks and mitigating factors, and collateral to form a general business overview of borrowers and use results of analysis to underwrite and monitor commercial loans.
  • Source, compile, and review financial data, communicate with customers or prospects, and perform analysis to recommend appropriate credit risk, risk ratings and loan structuring.
  • Ensure new and renewed commercial loans are underwritten according to applicable regulations, procedures, and Bank guidelines.
  • Ensure all involved parties are updated on underwriting progress and outcome.
  • Perform timely annual and/or quarterly credit reviews of assigned loans; propose appropriate changes in risk ratings.  
  • Perform impairment analysis of non-performing loans and recommend charge-offs as appropriate.
  • Process loan modifications in a timely manner.
  • Review past-due reports and follow up as appropriate.
  • Work with legal counsel to manage and resolve loans in litigation and OREO portfolio.
  • Conduct site visits as needed.

Your Qualifications: 

 

The successful candidate will have: 

  • At least three years of experience managing loan portfolios for a community bank, handling CRE, C&I, and/or SBA loans. 
  • Strong underwriting and analytical skills
  • Interpersonal skills that enable you to make personal connections, engage customers and behave courteously and professionally at all times.
  • Excellent verbal and written communication skills, with the ability to express yourself clearly, politely and firmly
  • Strong detail orientation and organizational skills
  • A college degree or equivalent experience 
  • Ability and willingness to travel for site visits
  • Fluency in English and Korean or Chinese required