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Wholesale Credit Officer

Bank of Hawaii


Location:
Oahu, HI
Date:
03/26/2017
Job Code:
134385
Categories:
  • Retail / Wholesale
Bank of Hawaii
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Job Details


Wholesale Credit Officer-1700039
Description

Under the direction of the manager, this position provides the credit approval function for one or more Business Units (BU) in the Bank of Hawaii (Bank) and its subsidiaries.  This includes review and/or decisioning of credits which exceed the delegated authority levels within the BUs.  The Wholesale Credit Officer also provides management oversight to ensure timely and dependable risk management.  Assists in business unit’s compliance with applicable laws, regulations, regulatory requirements and Bank policies and procedures, including but not limited to those related to Fair Banking, Anti-Money Laundering laws and regulations, Bank Secrecy Act and USA PATRIOT Act.  In addition, this position is responsible for demonstrating the Excellence in Sales/Service (ESS) philosophy by participating in and practicing ESS disciplines and behaviors.

 

 

Responsibilities

  • Delivers excellence in portfolio management.
  • Prepares various analyses and reports in support of overall risk management of the commercial loan portfolio. 
  • Makes credit decisions for less complex credits and for lower loan exposures utilizing assigned lending authority.   
  • Monitors that risk ratings are accurate and changed on a timely basis as necessary.    
  • Actively monitors portfolios for changes in trends and risk profile.   
  • Coordinates seamlessly with portfolio reporting and other partners, such as examiners, to ensure timely and dependable risk management. 
  • Partners and/or collaborates effectively with BU Managers and Primary Relationship Officers (PROs) and underwriters to achieve BU credit quality objectives and expedite decisioning.   
  • Proactively partners with existing credit risk training resources to strengthen skill sets which are the foundation underlying the evaluation and communication of credit risk. 
  • Provides support for credits with heightened risk profiles as assigned.
  • Provides leadership as a “change agent” to assist in implementing the Credit Culture vision for the Bank. 
  • Ensures there is excellence in analysis and structure in all Credit Approval Memorandums reviewed or approved. 
  • Causes the establishment, review, update and implementation of, and compliance with, Bank’s credit policies and procedures. 
  • Ensures that there is proactive communication between Wholesale Credit and the BUs through a variety of channels. 
  • Ensures BU’s compliance with applicable laws, regulations, regulatory requirements and Bank policies and procedures.
  • Performs all other miscellaneous responsibilities and duties as assigned.

 


Qualifications

Education:

  • Bachelor’s degree from accredited institution with basic understanding of business and economic subjects and strong written and oral communication skills.

 

Experience:

  • Minimum 7 years of commercial credit experience in the middle market, commercial real estate or national corporate markets or equivalent work experience. 
  • Extensive experience in portfolio risk management required.

 

Technical Skills: 

  • Demonstrated proficiency with personal computers and Microsoft applications (Outlook, Word, Excel, MS Access, PowerPoint and SharePoint) or similar software. 
  • Sound understanding of basic credit, cash flow analysis, corporate finance, lending, and loan administration skills with the ability to teach these to others.

 

Other Job Qualifications: 

  • Demonstrated verbal and written communication skills. 
  • Must be analytical, detail oriented, and organized. 
  • Must be able to meet deadlines and handle multiple priorities. 
  • Working knowledge of Bank’s products and services, credit policy and SPM.  
  • Working knowledge of Federal and State laws affecting commercial credit and real estate.
  • Ability to make decisions in a timely fashion not always with the benefit of complete information.  Ability to work effectively in teams.
  • Demonstrated creative problem-solving skills. 
  • Must be able to provide own transportation or to operate a vehicle with a valid driver’s license, and ability to commute and arrive at intended destination in a timely manner and/or as required. 
  • Travels by air as required. 
  • Able to work flexible hours including weekends and evenings as needed or assigned.

 

 

All qualified applicants will receive consideration for employment and will not be discriminated against on the basis of any legally protected classification including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or protected veteran status.  Bank of Hawaii takes affirmative action in support of its policy to advance in employment legally recognized individuals including minorities, women, protected veterans and individuals with disabilities.

 

Job Function Compliance/Risk Management
Primary Location Hawaii-Oahu
Schedule Full-time
Job Posting Jan 9, 2017, 2:01:26 PM
Unposting Date Ongoing

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