The posting
Job Description
Under the direction of the Manager, acts as the Corporate Banking Relationship Manager’s (RM) direct liaison to the client, agent bank, and/or other participating banks to facilitate, coordinate and service all new and existing credit relationships. This position monitors the credit quality of existing credit relationships and works closely with the Corporate Banking Service Representative (CBSR) to ensure that all administrative functions related to existing credit relationships are completed in a timely and accurate manner.
Responsibilities
- Assigned a portfolio of clients of credit relationships representing moderate to high complexity within the Corporate Banking Group. Reviews financial statements, covenant compliance, and current industry, marketplace and competitive conditions. Assists in the validation of risk rating. Analyzes cash flow projections and formulates alternative risk scenarios; performs other due diligence as necessary. Communicates directly with client, agent bank or other participating banks to obtain information under some supervision of the Senior PMO, Team Leader or RM. Ensures that the RM and other appropriate parties are informed about the current status of credit transactions.
- Prepares moderate to complex Credit Approval Memorandum (CAM) package and written summaries, including forward-looking acceptability for Credit Write-up. Communicates with RM, client and/or agent bank to obtain information. Ensures the accuracy of the content of these documents. Obtains approval from appropriate bank officer.
- Ensures that structures, credit covenants, and/or credit facilities proposed by the RM are in conformity with bank policy makes recommendations for improvements.
- Facilitates documentation process with external attorney and/or Bankoh Loan Center (BLC): Prepares advisement letter for RM, if appropriate; Orders documents from external attorney and/or BLC for timely delivery to client. Completes review of documents to ensure accuracy as approved, prior to obtaining client’s signature(s). Assists the RM in loan closing with client. With the assistance of the CBSR, ensures that BLC receives all required documents to book the credit transaction. Obtains approval for waivers or follows up for missing, incomplete or other documentation discrepancies.
- Tracks, monitors and insures that updated financial information and compliance certificates are received and reviewed based on the established terms and conditions of each assigned credit transaction. Follows-up for any missing information directly with the client and/or agent bank.
- Performs deal screens with Wholesale Credit and RM. Reviews daily overdraft reports and recommends appropriate disposition for the overdraft; communicates with client and RM as necessary.
- Performs all other miscellaneous responsibilities and duties as assigned.
Qualifications
- Bachelor’s degree from accredited institution, preferably with major in business or related area, or equivalent work experience.
- Level II: Minimum 4 years of experience in commercial lending, underwriting, portfolio management, credit administration, or related banking experience.
- Working knowledge of conventional and government underwriting guidelines and the ability to effectively utilize automated underwriting systems to support underwriting decision. Proficient with Microsoft Office applications.
- Intermediate knowledge and skill proficiency in analytical thinking, business acumen, commercial lending acumen, credit analysis, cross-functional collaboration, customer experience, financial analysis, laws & regulations, product/service knowledge, relationship management, and risk analysis.
- Demonstrates strong analytical abilities, effective verbal and written communication skills, sound decision-making, organizational effectiveness, and the ability to manage multiple priorities in a dynamic environment.
- Level III: Minimum 6 years of experience in commercial lending, underwriting, portfolio management, credit administration, or related banking experience.
- Demonstrates knowledge of conventional and government underwriting guidelines and proficiency in automated underwriting systems to analyze and evaluate lending scenarios. Proficient in Microsoft Office applications.
- Advanced knowledge and skill proficiency in commercial lending acumen, financial analysis, relationship management, and risk management.
- Intermediate knowledge and skill proficiency in business acumen, credit management, critical thinking, cross-functional collaboration, customer experience, law & regulations and product/service knowledge.
- Demonstrates strong business acumen, consultative partnership skills, influence, sound judgement, negotiation capabilities, and the ability to evaluate complex financial and credit solutions.
- Senior Level I: Minimum 8 years of experience in commercial lending, underwriting, portfolio management, credit administration, or related banking experience.
- Advanced knowledge of conventional and government underwriting guidelines and strong proficiency in automated underwriting systems, including the ability to evaluate complex lending scenarios and exercise independent judgement. Proficient with Microsoft Office applications.
- Advanced knowledge and skill proficiency in business acumen, commercial lending acumen, credit management, cross-functional collaboration, customer experience, financial analysis, laws & regulations, product/service knowledge, relationship management, and risk management.
- Intermediate knowledge and skill proficiency in critical thinking
- Demonstrates expertise in complex credits structuring, negotiation, portfolio oversight, mentoring, strategic relationship management, and balancing growth objectives with prudent risk management practices. As a Bank of Hawaii employee, you ensure (or assist with ensuring) 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. Delivering exceptional customer experiences is at the heart of what we do at Bank of Hawaii. We listen, understand and deliver what our customers need to help them build a better tomorrow. We are an EEO/AA employer, including disability and veterans. For Bank of Hawaii's full EEO statement, please visit https://www.boh.com/careers.



