AVP/VP, Portfolio Manager
Company: Cathay General Bancorp
Location: El Monte
Posted on: January 29, 2026
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Job Description:
Under direct supervision, responsible for the credit/loan
analysis and portfolio management to assigned portfolio and provide
underwriting in support of the Commercial Banking lending and
relationship management teams. Analyze loan transactions and credit
worthiness of existing and prospective borrowers. Prepare a
detailed and accurate credit analysis and provide recommendations
regarding an existing or prospective Credit/Borrower and potential
risks and risk mitigation solutions. Ensure all due diligence and
background evaluations on a loan request are complete and thorough.
Participate in client visits, discussions and meetings. May contact
Borrowers directly, as appropriate, with the direction of and/or in
concert with the Relationship Manager. ESSENTIAL FUNCTIONS • Work
closely with SRM(s) and Team Managers on the assigned loan
portfolio. • Monitor and manage the credit quality of the assigned
loan portfolio. Review and monitor closely of financial and
operation performance to ensure each credit is properly risk rated.
Identify, evaluate, and determine the appropriate course of action
on potential credit quality issues to maximize credit quality and
minimize risk and potential loss to the Bank. • Maintain and grow
existing client relationships, and cross-sell Bank’s other products
and services. • Ensure compliance with Bank, regulatory and credit
requirements with emphasis on best-in-class customer service. •
Review existing loan exposure and proposed extensions of credit and
financial information • Evaluate credit structure and terms to
determine sources and uses of funds • Analyze industry data,
competitive factors, historical performance, and projected results
• Assess risks and recommend the appropriate risk rating •
Determine any policy exceptions and mitigating factors • Recommend
credit alternatives and creative ways to structure credits ensuring
that transactions are within portfolio risk standards • Complete
Credit Reports that incorporates all the analysis noted above by
using critical thinking standards • Analyze loan transactions and
credit worthiness of existing and prospective borrowers • Prepare a
detailed and accurate credit analysis and providing
opinions/recommendations regarding an existing or prospective
Credit/Borrower, including potential risks and how to mitigate such
risks. • Ensure all due diligence and background evaluations on a
loan request are complete and thorough, so credit approval can be
considered. • Participate, under direct supervision, in client
visits, discussions, and meetings QUALIFICATIONS Education: •
Minimum Bachelors’ degree in Business or Finance preferred
Experience: • 3-5 years of experience in banking related product
sales, service, and advising required Skills/Ability: • In depth
knowledge of banking products and services (deposit, lending,
consumer and commercial experience preferred). • Understand cause
of the covenant default as well as Borrower’s action plan to
cure/remedy default, and prevent it from happening going forward
and RM’s action plan regarding the default (i.e waive, waive and
extend, enter into a forbearance period etc). • Strong sales,
marketing, and business development skills required • Ability to
manage situations of varying degrees of complexity with customers
(excellent problem resolution skills) • Team oriented, able to
influence others and lead colleagues toward common goals • Must
have high standard of integrity and work ethics • Ability to work
in a fast paced, demanding environment • Fluency in English and
Chinese (Mandarin or Cantonese) preferred
Keywords: Cathay General Bancorp, Yucaipa , AVP/VP, Portfolio Manager, Accounting, Auditing , El Monte, California
