Credit Reviewer II

Since 1973, East West Bank has served as a pathway to success. With over 110 locations across the U.S. and Asia, we are the premier financial bridge between the East and West. Our teams of experienced, multi-cultural professionals help guide businesses and community members on both sides of the Pacific looking to explore new markets and create new opportunities, and our sustained growth and expertise in industries like real estate, entertainment and media, private equity and venture capital, and high-tech help build sustainable businesses and expand our associates’ potential for career advancement. 

Headquartered in California, East West Bank (Nasdaq: EWBC) is a top-performing commercial bank with a strong foundation, an enterprising spirit and a commitment to absolute integrity. East West Bank gives people the confidence to reach further.

The Independent Asset Review (IAR) within East West Bank operates as an independent Third Line of Defense (3^rd) function, separate from lending, approval and administration process.  IAR provides senior management and risk committee with independent and objective assessments of credit quality to ensure accurate risk ratings, adherence to policies and procedures, effective credit risk management and compliance with regulatory expectations.

IAR is currently seeking a Credit Reviewer II with experience in Commercial Real Estate (CRE) and Commercial & Industrial (C&I) lending across diverse industry sectors.  The ideal candidate will possess the ability to effectively assess and challenge risk ratings and administration for the credits reviewed.  The role requires the ability to effectively communicate outcomes, both written and verbal, to IAR senior leadership as well as business line stakeholders.

• Evaluate borrower credit conditions through the assessment of financial performance, assess and validate the accuracy of risk ratings;
• Evaluate quality of risk assessment (credit approval documents) performed by the front lines and assess compliance of credit decisions within internal lending policies, procedures, and regulatory requirements;
• Evaluate the effectiveness of credit risk monitoring process including covenants, triggers and ongoing oversight of credits reviewed;
• Evaluate adequacy and completeness of third-party collateral reports, loan documents and collateral documents (e.g. UCC filing, Deed of Trust…etc.)
• Ability to recognize deviations from policies, procedures and/or guidelines, determine materiality and prepare clear, well-supported review observations / findings, which enable the Examiner in Charge (EIC) to aggregate and potentially identify systematic gaps and enhancement opportunities in credit risk management practice, policies and procedures;
• Ensure that the review results are adequately documented and the conclusions reached are sufficiently supported so that work papers are complete and self-explanatory to an equally-qualified credit reviewer, internal and external auditors;
• Be knowledgeable of IAR policies and procedures;
• Be knowledgeable of the Bank’s loan products and applicable lending policies, procedures, guidelines and practices;
• Be knowledgeable of federal and state banking regulations related to credit risk management and governance;
• If assigned, perform continuous monitoring of product-based portfolios and provide quarterly assessments to support early-identification of emerging risks;
• Maintain deep knowledge of assigned portfolios, industries and risk trends;
• Understand the importance of building rapport with Relationship Managers and their teams, and other departments of the Bank in order to conduct asset reviews in a professional and efficient manner with minimal disruption to the Bank’s operations;
• May perform other duties as assigned

• Minimum seven (7) years of credit risk, commercial banking/underwriting, regulatory, or consulting experience; formal credit training a plus;
• Bachelor's or Master’s degree, preferred in Accounting, Finance, Business, Economics, or other related fields; other industry recognized professional certifications;
• Must have a clear understanding of credit principles and strong knowledge of credit risk analysis, underwriting and portfolio management methodologies;
• Familiarity with U.S. regulatory environment;
• Strong verbal and written communication skills. Must be able to identify and articulate evidence-based findings;
• Personal computer skills must include proficiency in the use of Microsoft Windows, Office and other related PC applications;
• Aware of the importance of building credible relationships with management and external parties (i.e., examiners, external auditors, vendors, etc.);
• Aware of the concept of the review planning memoranda including identifying and evaluating key risks, setting review scope, determining budgets and staff assignments;
• Be open to new ideas and flexible in adapting to new processes and procedures;
• Proven ability to work in, and contribute to, a collaborative, team-oriented work environment;
• Proven ability to manage multiple priorities in a fast-paced environment;
• Must be detail oriented, organized and self-motivating;
• Must have the ability to meet deadlines;

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