1+ months

Consumer Credit Analyst - 1900975

Bank of Hawaii
Oahu, Hawaii
  • Job Code

Consumer Credit Analyst - 1900975


Bank of Hawaii
In 1897, Bank of Hawaii was the first chartered and incorporated bank in the Republic of Hawaii. Weve been here from territorial days, growing and changing with Hawaii. Today, we are the largest independent bank in Hawaii a result of knowing our business and community, and always staying ahead of change.  We are constantly finding creative ways to deliver leading edge financial services to our customers.  Now, were embracing change with our new 21st century banking.

Its our people who help us succeed in offering first class service and products to our customers.  As a member of the Bank of Hawaii community, you will be among the very best in your profession in an environment that places a high value on integrity, innovation and teamwork.  People who are agile, savvy, forward-thinking and entrepreneurial can learn and grow with us.


Does this sound like you?
Are you ambitious?  Want to make a difference in peoples lives?  Do you thrive in an environment that leverages your abilities as a fast learner, good listener, and problem-solver?   If you love challenges, relish complexity, and have moxie, consider applying your unique talents with a Hawaii banking leader Bank of Hawaii.  Here you can be at the forefront of whatever you do. Welcome to your tomorrow!


A day in your life as a Consumer Credit Analyst
Under the direction of the Manager or Supervisor, the Consumer Credit Officer is responsible for rendering credit decisions on all consumer loan products following established guidelines, and analyzing support documents, and communicating decisions to the branch or customer, while complying with established lending regulations, Bank policies and procedures.  If applicable or appropriate, assists in business units 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.

Well give you these important responsibilities 

  • Makes credit decisions on consumer direct loan products with strong focus on Home Equity Lines of Credit in adherence to Bank Credit Policies and department procedures.  Investigates and validates application information, utilizing supporting documents to render decisions.  Credit decisions may include analysis of, but are not limited to the following: customer, bank or third party sources for income documentation such as personal and related business tax returns, personal and related business financial statements, other financial data, credit exposure, credit reports, real property appraisals, title and other property information.  Communicates lending decisions to customer and branch staff.
  • Maintains productivity and quality of service standards, as established by management, with respect to service level agreements for credit decisions and closing of credit transactions. This includes but is not limited to making decisions on loans within specified timeframes, from receipt of the application to final decision and through closing as applicable. If appropriate, recommends alternatives for operational and process efficiencies as they relates to the underwriting process as well as the end to end direct consumer lending process. 
  • Communicates lending decisions, requests for information and responses to inquiries courteously and proactively with internal retail/wholesale staff and external customers, Bank partners, etc.  Must be able to articulate current policies, procedures and/or processes as they relate to specific consumer lending products.
  • Exercises individual lending authority for Direct Consumer Lending and specialized lending programs as appropriate. Ensures that lending decisions are sound, within authorized lending limits and in compliance with the Banks lending policies.  Makes recommendations for loan applications outside of lending authority to a higher level of lending authority for review and approval.
  • Ensures adherence to federal regulatory requirements governing consumer credit. Adheres to established department policies and procedures relative to the underwriting, approval and closing of consumer loans. Actively stays abreast of changes in credit policies and lending guidelines and procedures, while being compliant with consumer regulations.
  • Performs all other miscellaneous responsibilities and duties as assigned.

This position requires use of a personal computer and other standard office equipment (typewriter, fax, copier, calculator and telephone).


 if you come to us with these qualifications

  • Education: Associates degree from an accredited institution with major in business, finance, or a related field or equivalent work experience. Additional education and certification may be required for mortgage underwriters working with loans regulated by government agencies, such as the Federal Housing Administration (FHA).
  • Experience: Minimum 0 - 2 years of experience in consumer lending or related work experience.
  • Technical Skills: Demonstrated proficiency with personal computers in a networked environment and Microsoft applications (Outlook, Word, Excel, and PowerPoint) or similar software. Knowledge of or ability to use Bank software and systems, including proficiency with automated underwriting systems.
  • Other Job Qualifications: Demonstrated verbal and written communication skills.  Demonstrated understanding of consumer finance and accounting.  Must be detailed oriented to ensure work is accurate and credit decisions are executed in compliance with policies and procedures.  Must possess excellent research and decision making abilities, and ability to work effectively under deadline and volume pressures.  Able to work effectively in a team and prioritize workload to meet deadlines.  Must have excellent customer service and communication skills.  Able to work evenings, weekends and holidays as required. Performs assigned job duties under the close supervision of the Manager.   


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 Operations
Primary Location Hawaii-Oahu
Schedule Full-time
Job Posting Oct 17, 2019, 2:12:04 PM
Unposting Date Ongoing


Posted: 2019-11-12 Expires: 2020-04-12
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Consumer Credit Analyst - 1900975

Bank of Hawaii
Oahu, Hawaii

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