Aki Ishida

Commercial banking and credit risk professional with over 20 years of experience in commercial lending, underwriting, and portfolio monitoring, including 13 years in independent credit risk review. Extensive experience in middle-market underwriting assessments, risk rating validation, portfolio risk management reviews, regulatory compliance evaluations, and workpaper reviews.

Certified Internal

Auditor (CIA).

Vice President, Senior Credit Review Examiner - Banc of California - Los Angeles, CA

(2018-01)

• Conduct independent credit reviews to assess underwriting quality, risk rating accuracy, portfolio monitoring effectiveness, and compliance with bank policy and regulatory guidance.
• Assess credit risk management practices, including covenant monitoring, underwriting discipline, and problem loan identification.
• Serve as Examiner-in-Charge (EIC) for credit review engagements across commercial lending portfolios. Review workpapers prepared by reviewers, including credit analyses, risk ratings, and documentation quality, to ensure review conclusions are adequately supported.
• Prepare clear and concise credit review reports summarizing review findings, identified risk issues, and recommendations for corrective action. Present findings and significant risk issues to management and stakeholders.
• Perform quarterly continuous monitoring and portfolio risk assessments to identify emerging credit risks and portfolio deterioration trends.
• Extensive experience reviewing commercial credit portfolios, including middle-market C&I, ABL, CRE, Multifamily, Construction, Equipment Finance, Warehouse Lending, Lender Finance, Private Equity, Structured Finance, Syndicated Loans, and SBA lending.
• Experience reviewing retail and consumer lending portfolios, including indirect auto loans, purchased single-family residential loans, and mortgage borrower credit analysis supporting warehouse lending.

Vice President, Credit Reviewer - East West Bank - Pasadena, CA

(2013-01 - 2018-12)

• Performed independent credit reviews of commercial loan portfolios to assess underwriting quality, risk rating accuracy, portfolio monitoring effectiveness, and adherence to internal credit policies and regulatory expectations.
• Prepared credit review workpapers, linesheets, examination reports, and supporting documentation for review by senior management.
• Evaluated underwriting practices, loan structures, covenant monitoring, and documentation quality to assess compliance with internal credit policies, underwriting standards, and applicable regulatory guidance.
• Identified credit risk management weaknesses, policy exceptions, and process deficiencies, and communicated findings and recommendations to management.

Underwriter / Relationship Officer - MUFG Union Bank, N.A. - Los Angeles, CA

(2003-01 - 2013-12)

• Underwrote and managed commercial banking relationships. Conducted portfolio monitoring, financial statement analysis, covenant compliance reviews, and due diligence.
• Evaluated Probability of Default (PD) and Loss Given Default (LGD) metrics using Moody's Risk Analyst to support internal risk ratings.
• Assessed borrower creditworthiness, transaction structures, collateral adequacy, and industry risks associated with commercial lending, trade finance, foreign exchange, and derivatives transactions.
• Ensured compliance with internal credit policies, underwriting standards, and regulatory requirements.

Corporate Banking Officer - Mizuho Bank, Ltd. - Los Angeles, CA

(1996-01 - 2003-12)

• Underwrote and managed commercial credit facilities and related foreign exchange and derivatives transactions.
• Performed credit analysis, risk rating assessments, covenant monitoring, and portfolio risk management.
• Ensured compliance with internal credit policies, procedures, and applicable regulatory requirements.

B.A. - Educational Psychology - Chiba University