(Korean Bilingual) Senior Commercial Loan Officer / Underwriter

Requirements

Key Responsibilities

• Review credit memorandums for new, renewal, extension, and modification of existing commercial loans.
  
• Make preliminary decisions on credit memorandums and inquiries for new applicants at the loan center.
  
• Monitor the existing portfolio to ensure covenant compliance and appropriate risk ratings, minimizing the number and balance of defaults through ongoing review and communication with borrowers and guarantors.
  
• Support lending staff on lending-related matters, including underwriting, customer service, decision-making, loan structuring, and loan monitoring.
  
• Partner with loan staff to develop effective marketing strategies to localize bank products.
  
• Ensure compliance with operating policies, procedures, and outside regulatory requirements, and provide periodic reports to management.
  

Required Qualifications

• 2+ years of commercial lending experience or similar.
  
• Strong understanding of financial statements, credit modeling, and lending.
  
• Proficiency in Microsoft Excel and loan underwriting tools.
  
• Experience with marketing.
  
• Bilingual in English and Korean.
  

Preferred Qualifications

• 3+ years of commercial lending or underwriting experience.
  
• Prior experience at a bank or financial institution serving Korean-affiliated customers.
  

Benefits

Compensation & Benefits

• Salary: up to $90,000 per year for applicants with 3 years of experience. Actual cap depends on experience and is negotiable.
  
• Full insurance coverage (medical, vision, dental) for employees and their immediate dependents; life insurance for employees. Monthly premiums are fully covered by the company and not deducted from pay.
  
• 401(k) enrollment with 5% employer match.
  
• Paid time off (PTO): vacation, sick, and personal days.
  
• Long-term tenure rewards: additional PTO and vacation expense reimbursement for continued years of service.
  
• Marriage leave: additional PTO for the marriage of an employee or an immediate family member.
  
• Employee loans: personal and residential real estate loans at preferential rates.
  
• Banking products: free checking, wire transfer fee waivers, money orders, and more.
  

Location & Schedule

• Onsite at the loan center in Duluth, GA.
  
• Full-time.