Full-Time
Construction Disbursement Officer
Updated on 9/3/2026
East West Bank
1,001-5,000 employees
Commercial bank bridging U.S.–Asia markets
Compensation Overview
$71k - $95k/yr
No H1B Sponsorship
El Monte, CA, USA
In Person
Bachelor's
 Finance & Banking |
|---|
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- A bachelor's degree in Finance or Accounting, or equivalent work-related experience, is preferred.
- At least 8 years of work experience in commercial real estate construction loan administration is required.
- Knowledge of complex construction finance projects with multiple phases is required.
- Experience with complex loan structures, including syndication and bonds, is required.
- A thorough understanding of Construction Loan Agreements and their covenants and provisions related to construction disbursement and budgets is required.
- Thorough experience with collateral perfection and title policies is required.
- Construction loan system experience is required; CLCS knowledge is preferred.
- Proficiency in Microsoft Office and advanced Excel skills are preferred.
- Excellent written and verbal communication skills are required.
- Good organizational, analytical, and problem-solving skills are required.
- Good leadership and project management experience are required.
- The ability to handle multiple tasks with excellent attention to detail is required.
- The ability to organize and maintain a high-volume work environment is required.
- The ability to adapt quickly to changes and perform in a fast-paced environment is required.
- The ability to build effective relationships to address issues and obstacles is required.
- Applicants must have legal authorization to work in the United States.
- Review the CCR and loan agreement to ensure proper terms and budget are within the approved credit.
- Enter new construction loans in the CLCS system and set up the appropriate budget for complex projects.
- Ensure new loan setup line-item budgets comply with the credit approval and Construction Loan Agreement.
- Review disbursement draw requests against specific budget line items to ensure funding remains within budget.
- Perform second-review quality control of all loan setups in CLCS.
- Review and approve draws for disbursement.
- Obtain approval for budget-change requests by line item.
- Reconcile the borrower's construction loan budget with the bank's records.
- Obtain title insurance date-downs and change orders for draw requests.
- Order third-party inspection reports, process invoices, and perform reconciliations.
- Track and follow up on the receipt and approval of inspection and title date-down reports.
- Monitor the use of the borrower's soft-cost funds and disburse funds on the borrower's behalf.
- Monitor interest-reserve adequacy on all accounts.
- Monitor and reconcile the Construction Loan Disbursement Report.
- Maintain and monitor current property and general liability insurance for all files.
- Interface with relationship managers, title companies, the appraisal department, construction services, and accounting.
- Obtain documentation for pending loan packages for cost review.
- Review and approve end-of-day balancing for all associates.
- Respond to internal inquiries about the processes described above.
- Develop training plans and deliver training for associates.
- Develop internal procedures and workflows for the team.
- Prepare year-end 1099 reporting.
- Perform system updates and user acceptance testing for new releases and enhancements.
- Perform other duties as assigned.
- A bachelor's degree in Finance or Accounting is preferred.
- CLCS knowledge is preferred.
- Advanced Excel skills are preferred.
East West Bank is a commercial bank with a cross-border focus, serving as a financial bridge between the U.S. and Asia through its 110 locations. It helps businesses and community members explore new markets by providing cross-border banking services and industry-specific expertise in real estate, entertainment and media, private equity and venture capital, high-tech, and aviation. Its products include traditional banking services and advisory support designed to finance and grow businesses across borders. The bank stands out from competitors through its multinational footprint, multicultural teams, and depth of cross-border knowledge, enabling clients to access opportunities in both markets. Its goal is to help people and businesses reach further by building sustainable growth with integrity and a strong foundation.
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
Pasadena, California
Founded
1973
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Simplify's Take
What believers are saying
- Q2 2026 revenue hit $791 million, with record loans and deposits.
- June 2026 AXS partnership expands East West into live entertainment payments.
- August 2026 ECHO chatbot strengthens small-business acquisition and lowers servicing costs.
What critics are saying
- Q2 2026 criticized loans reached $1.3 billion, pressuring reserves and underwriting credibility.
- Net interest margin missed estimates in Q2 2026, squeezing returns despite record revenue.
- US-China tensions threaten East West's core cross-border model and client concentration over 2026-2027.
What makes East West Bank unique
- East West Bank owns a rare U.S.-Asia cross-border franchise built since 1973.
- It deepens niche relationships through AXS, Saban Films, and Lendistry financing.
- ECHO chatbot and Gold Music Lab show disciplined, relationship-led product expansion.
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Company News
EastWest Bank launches business banking AI chatbot. August 6, 2026 | 12:01 am EAST WEST Banking Corp. (EastWest Bank) has launched an artificial intelligence (AI)-powered chatbot to help entrepreneurs understand and access solutions offered by the bank that can help their businesses grow. Small business resources Discover more Global economy trends Corporate News Analysis Financial news subscription ECHO or EastWest CMS Help Officer is designed to help business owners understand and access the bank's cash management services, especially as their operations turn increasingly digitalized, it said in a statement. "As more Filipino entrepreneurs turn to digital channels to manage and grow their businesses, they increasingly need quick, reliable access to information and solutions that can help them manage day-to-day financial operations efficiently," it said. "As businesses expand, their financial needs become more complex - from collections and payments to payroll and cash flow management. This growing shift toward digital business management has increased the need for secure, accessible banking solutions that help entrepreneurs streamline operations, improve efficiency, and stay focused on growth." ECHO provides simple answers about EastWest Bank's cash management services, recommends options tailored to these businesses' needs, and also connects them with an EastWest Sales Officer for personalized assistance. The chatbot's knowledge base is continuously enhanced and expanded to ensure the assistance and information offered are relevant and timely. "Through ECHO, EastWest continues to strengthen its support for business owners with practical digital tools that simplify banking, improve access to relevant solutions, and help businesses make better-informed financial decisions," EastWest Bank said. It added that this is part of their digitalization efforts that are meant to make financial serves more accessible and responsive to their Filipinos' needs. "Business owners need quick access to information so they can focus on running and growing their business. Through ECHO, we're giving them an easier way to learn about solutions that can help them operate and grow with confidence," EastWest Chief Marketing Officer Martin C. Reyes said. The bank booked a net income of P3.4 billion for the first half of 2026 as it set aside increased provisions for potential losses amid continued macroeconomic and geopolitical uncertainty. - BVR % buffered Powered by GliaStudios
East West Bancorp (NASDAQ:EWBC), a cross-border banking company focused on US-Asia transactions, reported second quarter CY2026 results that beat Wall Street revenue expectations. The company posted revenue of $791 million, up 12.6% year on year and exceeding analyst estimates of $784.9 million by 0.8%. Adjusted earnings per share came in at $2.63, in line with analyst consensus estimates of $2.62. Net interest income reached $684.7 million, roughly meeting expectations of $685.9 million and representing 11% year-on-year growth. However, the company's net interest margin of 1.7% significantly missed analyst estimates of 3.5%. The efficiency ratio of 36.7% also fell short of the expected 35.8%. Over the past five years, East West Bank has achieved a 13.2% compounded annual revenue growth rate, though recent growth has decelerated to 9.6% over the last two years.
East West Bancorp (NASDAQ:EWBC) earnings preview: what to expect. July 21, 2026 | East West Bancorp (NASDAQ:EWBC) anticipates strong Q2 2026 earnings with projected EPS of $2.61 and revenue of $785.94 million, indicating significant year-over-year growth. The bank demonstr... | * Full name East West Bancorp, Inc. * Registration country USA * Industry Banks * М/S&P/F *** / *** / *** Try in 7-days Demo access. Free for company representative * Evaluate advanced analytical tools * Get full online access to the database * Try its powerful bond screener * Track bond prices from 400+ sources Get access to the largest financial database. Other company's news. Try in 7-days Trial access. Free for company representative * Get full online access to the database * Use its powerful bond screener * Track bond prices from 400+ sources * Smart Portfolio Monitoring * Evaluate advanced analytical tools Why cbonds? * 24 Years of Market Leadership * Trusted by clients across 90 countries for decades of reliable service * Used by Financial Professionals & Fintech central banks, asset managers, fintech innovators * Convenient platform for private investors for informed investment decisions
Lendistry has secured a $100 million credit facility from East West Bank to support its Airport Concessions Program (ACP), which provides capital to small businesses operating in airports nationwide. The facility includes a $100 million accordion feature for additional borrowing capacity. The ACP serves airport concession businesses, including locally-owned licensees of national chains like Starbucks, which face unique financing challenges. Since launching the programme in 2019, Lendistry has deployed $98 million to airport businesses across 16 states. This arrangement builds on a previous relationship established in 2025, when East West Bank provided Lendistry with a $75 million credit facility for its SBA 7(a) lending platform. Lendistry, founded in 2015, has deployed over $10.5 billion to small businesses and is the second-largest non-bank SBA 7(a) lender in the country.
Regional banks reported mixed Q1 results, with revenues meeting analyst expectations across 91 tracked institutions. Share prices rose 8.4% on average following earnings announcements. East West Bank, the largest independent US bank focused on US-Asia cross-border transactions, posted revenues of $773.7 million, up 11.8% year-on-year and exceeding expectations by 2.8%. The company delivered a strong quarter with net interest income beating forecasts. Its stock has climbed 9% since reporting, now trading at $131.73. UMB Financial achieved the strongest performance among peers, reporting revenues of $744.8 million—a 29.3% year-on-year increase that surpassed estimates by 5.4%. The company beat both earnings per share and net interest income projections. Its shares have risen 15.2% post-earnings to $144.41. The sector faces ongoing challenges including fintech competition, deposit outflows, and commercial real estate exposure concerns.