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Ernie Cho has a strong background in underwriting and credit analysis in the banking industry. Ernie began their career at Wells Fargo as a Credit Analyst from March 2010 to September 2011. Ernie then worked at Bank of Hope as a Commercial Loan Underwriter from October 2011 to November 2013. Following that, they joined Provident Bank as a Senior Commercial & Construction Loan Underwriter from November 2013 to October 2020. Ernie then worked at Newtek Business Services Corp. as a VP & SBA Underwriter from October 2020 to February 2021. Ernie currently holds the position of SVP & SBA Credit Manager at CalPrivate Bank since August 2022.

Ernie Cho holds a Bachelor's Degree in Business Management from Loyola Marymount University.