Business Officer/Loan Underwriter San Francisco

PGM Tek•San Francisco, CA

11d•Onsite

About The Position

Support frontline departments to conduct the due diligence for the new business opportunities. Work closely with Account Officers and Credit department in order to provide any mitigation/ recommendation for the proposal and close business deals successfully in a timely manner. Assist frontline departments with financial analysis for both existing and potential customers in preparation of credit proposal and annual review.

Requirements

Bachelor's degree (B. A. or B. S.) with Accounting or Finance major preferred from four-year college or university.
At least 3 years related experience and/or training; or equivalent combination of education and experience.
Quality Management – demonstrates accuracy and thoroughness.
Time management - manage multiple priorities, and complete the assignments on schedule.
Customer service – responds promptly to customer needs and meets commitments.
Oral communication – communicate with customers and branch employees effectively and clearly.
Analytical - Collects and researches data; Uses intuition and experience to complement data.
Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Uses reason even when dealing with emotional topics.
Written Communication - Writes clearly and informatively; Able to read and interpret written information.
Ability to perform services in person from a Bank office or branch to, among other things, access the Bank’s computer systems and engage in an interactive environment with co-workers.
Able to write routine reports and correspondence in Chinese and English.
Fluency in Cantonese/Mandarin and English.

Nice To Haves

MBA/MS degree preferred.

Responsibilities

Follow-through with front-line department, credit department and loan operation department through all phases of the underwriting process.
Maintain customer relationship and provide good services.
Analyze borrower/guarantor financial information including tax return, rent roll, etc. to determine the property’s debt carrying ability and the borrower’s capacity to repay.
Full knowledge in commercial real estate mortgage (CRE), small business lending product (include but not limited to C&I, LOC, and etc.), and financial institution (FI) evaluation.
Spread and analyze personal and corporate financial statements, and prepare credit proposal.
Prepare various weekly/monthly reports for management, or other departments.
Participate in special projects as required.
Ability to adapt to a changing environment and handle multiple priorities
Excellent writing and analytical skills
Perform administrative responsibilities including taking notes during meetings, preparing correspondence, and managing files
Performs other duties as assigned.
Collect business and credit information and references
Coordinate with attorneys and frontline officers to prepare loan closings