1+ months

Direct to Consumer Loan Officer - 1901018

Bank of Hawaii
Oahu, Hawaii
  • Job Code

Direct to Consumer Loan Officer - 1901018

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 Direct to Consumer Loan Officer:
Under the supervision of the Mortgage Banking Operations Processing Manager, this position is responsible for coordinating all applicable residential loan documentation to complete a residential loan transaction pursuant to guidelines as set forth by Bank of Hawaii and secondary marketing investor requirements, from application to submission to underwriter for final approval.  Ensures processing of loans within specified timeframes. 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
  • Gathers and reviews all income, asset, credit, title, property information and disclosures in a residential loan transaction for all loans including:   Validates the information on the loan application and findings of the respective underwriting engine, pursuant to the bank and secondary requirements.  Reviews all loan information, including, but not limited to credit reports, appraisal reports, tax returns, financial statements, income, and asset documentation.  Calculates all income being used to qualify. 
  • Processes documents pursuant to investor, bank and regulatory guidelines.  Ensures the integrity and consistency of data in the loan file and on the loan origination/processing system.
  • Maintains productivity and quality of service standards, as established by                 Management, with respect to the approval of loans, including but not limited to submission of loan to underwriter for approval within specified timeframes, from the   receipt of Intent to Proceed signed by the borrower for initial credit approval to final approval, pursuant to standards set forth by Management.  Validates all point of sale income and asset documents with the information on 1003 and automated       underwriting findings.  Ability to process and manage a pipeline of 50 files.  Ability to meet processing turn times for closing dates on Purchase transaction as set forth by the Deposit Receipt Offer and Acceptance (DROA) and specified lock expiration dates for all loans.
  • Maintains a high level of customer service by being proactive and communicating effectively with borrowers, Loan Officers, Underwriters, external and internal customers, which includes other division employees, including Management.  Completes Welcome calls and Follow-up calls with borrowers throughout the process of the loan.
  • Develops and maintains effective pipeline management to meet processing turn times and transaction deadlines.  Reviews and utilizes processor daily pipeline report to prioritize workload.

if you come to us with these qualifications

CREDIT REPORT REQUIREMENT:  A credit report mandated by the Dodd-Frank Act to ensure demonstrated financial responsibility.  The report is to be obtained and accepted no later than 30 days from employment or transfer date.  If not accepted, employment may be terminated.

REGISTRATION REQUIREMENT:  Registration with the Nationwide Mortgage Licensing System & Registry.  If not yet registered, registration to be completed and accepted no later than 30 days from employment or transfer date.  If not registered and accepted, employment may be terminated.


  • Bachelors degree from an accredited institution or equivalent work experience. 

  • Minimum 2 - 4 years mortgage or credit lending background.  
  • Working knowledge of conventional and/or government guidelines and familiarity with automated underwriting system (DU, LPS, etc.) required.

Technical Skills:  
  • Demonstrated proficiency and expertise with personal computers and Microsoft applications (Outlook, Word, Excel, Access, and PowerPoint) or similar software.  
  • Knowledge of or ability to use Bank software and systems. 
  • Knowledge of Mortgage Origination Software Systems preferred.

Other Job Qualifications: 
  • Demonstrated verbal and written communication skills.  
  • Must be analytical, detail oriented, organized.  
  • Ability to work effectively and prioritize workload and multi-task to meet deadlines. 
  • Able to work flexible hours including holidays, weekends and evenings as needed or assigned. 
  • Must be able to push/lift 25 lbs.

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 Banking/Lending
Primary Location Hawaii-Oahu
Schedule Full-time
Job Posting Oct 31, 2019, 10:50:39 AM
Unposting Date Ongoing


Posted: 2019-11-12 Expires: 2020-04-17
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Direct to Consumer Loan Officer - 1901018

Bank of Hawaii
Oahu, Hawaii

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