Mark Chang
About Mark Chang
Mark Chang serves as the Lead Credit Officer and Senior Vice President at City National Bank, where he has worked since 2021. He has extensive experience in credit management, having previously held positions at various financial institutions and managed a significant loan portfolio focused on finance companies.
Work at City National Bank
Mark Chang currently serves as the Lead Credit Officer and Senior Vice President at City National Bank in New York, New York. He has held this position since 2021, contributing to the bank's credit operations for three years. In this role, he originated and managed a portfolio of five privately held finance companies, with a total loan exposure of $120 million. His focus areas include factoring, asset-based lending, and commercial leasing. Additionally, he has led the deal team screening process to structure credit facilities, identifying key risks and mitigating factors for potential prospects.
Previous Experience in Credit Management
Mark Chang has extensive experience in credit management prior to his current role. He worked as a Credit Portfolio Manager and Vice President at TD from 2012 to 2013. Before that, he served as a Loan Officer and Assistant Vice President at Bank of Hope from 2007 to 2010. He also held positions at Citi, where he worked as a Credit Officer and Vice President from 2010 to 2012, and as a Credit Manager from 2015 to 2017. Additionally, he was a Credit Officer at Bank Leumi from 2013 to 2015.
Education and Expertise
Mark Chang studied at Cornell University, where he earned a degree in Economics from 2003 to 2007. His educational background provides a solid foundation for his expertise in credit analysis and financial management. Throughout his career, he has developed skills in structuring credit facilities, risk assessment, and financial modeling, including preparing cash flow models that assess repayment capacity according to OCC Regulatory Leveraged guidelines.
Leadership and Mentorship
In his professional roles, Mark Chang has demonstrated a commitment to leadership and mentorship. He has provided ongoing coaching and mentorship to credit analysts, junior credit officers, and relationship managers, enhancing their professional development. His focus on developing talent within the organization contributes to a stronger credit team and improved operational effectiveness.