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East West Bank · 1 day ago

Credit Analyst

Dallas, TX

Full-time

Onsite

New Grad, Entry Level

$25/hr - $35/hr

0+ years exp

East West Bank is a premier financial institution serving as a bridge between the East and West since 1973. They are currently seeking a Credit Analyst for their Texas Commercial Healthcare Banking team, responsible for client financial monitoring, financial analysis, and underwriting of commercial banking relationships.

BankingFinanceFinancial Services

Comp. & Benefits

No H1B

Responsibilities

Perform financial analysis, financials spreading/monitoring, covenant compliance review/monitoring, industry research and risk analysis

Significant portion of responsibility is analysis of new lending opportunities in well written opportunity memos, that are reviewed by business unit management and credit department management, seeking approval to proceed into full comprehensive underwriting

Analyze prospect/borrower/guarantor credit worthiness

Review and analyze economic and market impact on borrowers and prospects

Review and analyze historical and projected financials, cash flow, sources of repayment and collateral

Identify prospect and borrower risks and how to mitigate risks, if possible

Partner with the relationship managers, underwriters, portfolio managers and fellow credit analysts to learn about prospecting, selling/pitching bank products, structuring loans, building and maintaining client relationships

Ensure the portfolio administration and risk management of each client relationship is in compliance with EWB credit policy, procedures, lending strategy and regulatory guidelines

Perform other administrative duties required for the maintenance of a portfolio of clients

Participate in community and business functions/groups to ensure a positive image for the bank within the region's marketplace

Maintains a comprehensive understanding of banking/business industry and economic trends by gathering and analyzing relevant data from diverse sources—including borrower/prospect conversations, market publications, peer bank references, credit agencies, and online research

Assist the relationship managers, underwriters and portfolio managers with quarterly monitoring reports and other projects/requests

Perform other duties and special projects as needed

Participates in client/prospect calls when requested (may require travel at times)

Qualification

Credit analysisFinancial analysisHealthcare experienceAccounting principlesFinance principlesAnalytical skillsPresentation skillsInterpersonal skillsProblem-solving skillsTeam collaboration

Required

0-3 years of Credit Analyst experience

Good understanding of generally accepted accounting and finance principles

Minimum undergraduate GPA of 3.0 is required

Bachelor's degree in finance, accounting, management or a related field

Minimum of 2 accounting classes and 2 finance classes

In office full-time from 8am – 5pm each business day with ability and willingness to work occasional evenings or weekends depending on client and team needs

Strong interest in banking, analytical work, selling, and networking

Jovial personality that demonstrates integrity, creativity, respect, fairness and professionalism

Excellent verbal, written and presentation skills

Enjoys working in a collaborative team environment

Ability and willingness to travel occasionally for client/prospect, networking and internal meetings

Detail oriented, intellectually curious, well organized, manages time well, has good problem-solving skills, and someone that is accountable for their actions

Highly motivated, proactive, takes initiative, is responsible, strong work ethic and self-starter

Strong critical thinking skills

Excellent interpersonal skills and desire to work in team environment

Applicants must have legal authorization to work in the United States. We do not offer visa sponsorship at this time