**EXHIBIT        31.2**
** **

**CERTIFICATION        OF CHIEF FINANCIAL OFFICER**

1. I        have        reviewed this 10-Q of Wilshire Bancorp, Inc. for the quarter ended September        30,        2005;

2. Based        on        my knowledge, this report does not contain any untrue statement of a material        fact or omit to state a material fact necessary to make the statements made,        in        light of the circumstances under which such statements were made, not misleading        with respect to the period covered by this report;

3. Based        on        my knowledge, the financial statements, and other financial information included        in this report, fairly present in all material respects the financial condition,        results of operations and cash flows of the company as of, and for, the periods        presented in this report;

4. The        company’s other certifying officer(s) and I are responsible for establishing and        maintaining disclosure controls and procedures (as defined in Exchange Act        Rules        13a-15(e) and 15d-15(e)) and internal control over financial reporting (as        defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the company and        have:

a. Designed        such disclosure controls and procedures, or caused such disclosure controls        and        procedures to be designed under our supervision, to ensure that material        information relating to the company, including its consolidated subsidiaries,        is        made known to us by others within those entities, particularly during the        period        in which this report is being prepared;

b. Designed        such internal control over financial reporting, or caused such internal control        over financial reporting to be designed under our supervision, to provide        reasonable assurance regarding the reliability of financial reporting and        the        preparation of financial statements for external purposes in accordance with        generally accepted accounting principles;

c. Evaluated        the effectiveness of the company’s disclosure controls and procedures and        presented in this report our conclusions about the effectiveness of the        disclosure controls and procedures, as of the end of the period covered by        this        report based on such evaluation; and

d. Disclosed        in this report any change in the company’s internal control over financial        reporting that occurred during the company’s most recent fiscal quarter (the        company’s fourth fiscal quarter in the case of an annual report) that has        materially affected, or is reasonably likely to materially affect, the company’s        internal control over financial reporting; and

5. The        company’s other certifying officer(s) and I have disclosed, based on our most        recent evaluation of internal control over financial reporting, to the company’s        auditors and the audit committee of the company’s board of directors (or persons        performing the equivalent functions):

a. All        significant deficiencies and material weaknesses in the design or operation        of        internal control over financial reporting which are reasonably likely to        adversely affect the company’s ability to record, process, summarize and report        financial information; and

b. Any        fraud, whether or not material, that involves management or other employees        who        have a significant role in the company’s internal control over financial        reporting.

|         |                                         |  Date: November                9, 2005  |
|--------------|----------------------------------------------|--------------------------------------------------------|
|    |                                    |                                              |
|         |                                         | /s/                Brian E. Cho                        |
|         | Brian                E. Cho                  |
|         | Chief                Financial Officer  |

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