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Bank of Hawaii
In 1897, Bank of Hawaii was the first chartered and incorporated bank in the Republic of Hawaii. We ve 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, we re embracing change with our new 21st century banking.
It s 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 people s 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 Commercial Real Estate Credit Underwriter:
Under the direction of the Commercial Real Estate Loan Division (CRELD) Manager, the Commercial Real Estate Credit Underwriter is a partner to the CRELD Primary Relationship Officer (PRO), responsible for the evaluation of financial and other risks associated with business clients to enable a credit decision to be made. If applicable or appropriate, 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.
We ll give you these important responsibilities
Prepares CAM package and written summaries with guidance for simple credit transactions, including forward looking acceptability of risks for
b)Quarterly Asset Quality Report, to include forecast;
c)Annual term loan reviews for stand-alone term loans or multi-year facilities.
Communicates with client and PRO to obtain information. Is responsible for the accuracy of the content of these documents. Reviews and validates construction draws.
Facilitates documentation process in conjunction with CRELD Documentation Specialist with Loan Operations Department (LOD) or external legal counsel.
Orders documents from LOD or external legal counsel for timely delivery to client. Assists PRO in completing review of documents to ensure accuracy as approved, prior to PRO obtaining the client s signature(s).
Structures, determines credit covenants, and /or fine-tunes credit facilities proposed by PRO, and ensures that they are in conformity with bank policy.
Monitors client financial condition through review of periodic financial statements, covenant compliance, and personal investigation of conditions in the industry, marketplace, competition and industry. Ensures accuracy of risk ratings. Analyzes cash flow projections and formulates alternative risk scenarios; performs other due diligence as necessary. Communicates with client and PRO to complete described job functions.
Provides input to the monitoring and validation of the assigned client risk rating.
Performs deal screens with CRELD Manager and PROs.Qualifications
if you come to us with these qualifications
Bachelor s degree from accredited institution, preferably with major in business or related area, or equivalent work experience.
Minimum of 3 years of commercial credit experience, preferably: Satisfactorily completed the Commercial Credit training OR equivalent work experience.
Demonstrated proficiency and expertise with personal computers in a networked environment and Microsoft applications (Outlook, Word, Excel, Access, and PowerPoint) or similar software.
Knowledge of or ability to use Bank software and systems.
Other Job Qualifications:
Demonstrated verbal and written communication skills, including presentation skills.
Must have the ability to express complex ideas in concise and simple terms.
Able to demonstrate strong analytical and quantitative skills, with excellent attention to detail.
Must be able to manage multiple assignments with changing deadlines in a high pressure environment.
Able to build strong working relationships with a collaborative approach, but must also be a self-starter with the ability to work independently.
Possesses good interpersonal skills and client servicing skills to meet Bank standards.
Must always follow up and follow through.
Able to work flexible hours including holidays, weekends and evenings as needed or assigned.
Able to travel by air as necessary.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.
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