Grant Lee
Senior Credit Analyst @Hanmi Bank
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WORK HISTORY
Senior Credit Analyst @Hanmi Bank
Los Angeles, CA, US
Identify, collect, and analyze global cash flow and credit data across Commercial, C&I, CRE, and Consumer loan portfolios to assess credit risk and validate Credit Risk Ratings. Prepare detailed credit approval memorandums and relationship-level global cash flow analyses for new and existing lending relationships; present findings to Senior Credit Officers and loan committee. Build Excel-based spreadsheet models incorporating DSCR, interest coverage, liquidity ratios, and scenario analysis to evaluate borrower creditworthiness and support complex commercial loan decisions. Monitor delinquencies, covenant compliance, and portfolio credit quality; proactively flag deterioration and recommend corrective actions in alignment with bank underwriting guidelines. Ensure compliance with federal and state regulations including GLBA, Regulation Z, Regulation B, Dodd-Frank, and BSA/PATRIOT Act across all credit documentation and processes. Mentor and review work of junior credit analysts; conduct borrower site visits and interviews to gather supporting financial information.
EDUCATION
California Polytechnic State University-San Luis Obispo
Bachelor of Business Administration - BBA, Entrepreneurship/Entrepreneurial Studies
ABOUT GRANT LEE
Driven commercial lending professional with hands-on experience in accounting, sales and market research seeking an opportunity as a credit analyst. Demonstrated success in accounting and business development class projects drawing upon analysis, strategy, and market research.
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