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Central Pacific Bank · 6 days ago

Credit Administrator - Loan Evaluations (Commercial, Retail)

Honolulu, HI

Full-time

Onsite

Mid, Senior Level

$64K/yr - $164K/yr

5+ years exp

Central Pacific Bank is seeking a Senior Credit Administrator to evaluate loan requests from clients while ensuring compliance with credit policies and regulations. This role involves close collaboration with Line of Business Managers and Relationship Officers, conducting training sessions, and managing loan portfolios to identify credit risks.

BankingFinancial Services

Responsibilities

Approve or recommend action on loan requests ensuring that each transaction meets regulatory requirements, bank credit policies, underwriting standards and portfolio/concentration objectives

Ensure that underwriting is fair and balanced, accurately frames risk issues, and properly justifies decision and grade

Make appropriate structuring and approval decisions

Ensure that regulatory, concentration, and loan coding issues are addressed

Responsible portfolios could range from small to moderate sized commercial loans, investor (income-producing) and owner-occupied commercial real estate loans, as well as small business, consumer, home equity or residential mortgage loans

Conversant with and remains current with regulatory guidance and internal policies related to credit and lending as well as relevant market and industry trends

Conduct portfolio reviews of assigned loan portfolio(s) to proactively identify deteriorating credit characteristics or a market event that could jeopardize repayment of a loan

Work closely with Line of Business to ensure that loans are properly graded and supported at all times

Review Asset Quality Reports and ensure that a clear and concise strategy is in place to manage problem credits. Provides direction on smaller problem loan workouts

Work closely with the Line of Business Managers to minimize documentation and compliance exceptions

Proactively address changes in industry and/or market conditions through transparent and meaningful discussions with the Line of Business Managers and Relationship Officers

Work with Line of Business Managers, Relationship Officers and Underwriters, and clients or prospective clients to ensure proper initial due diligence of loan proposals

Lead or get involved with various division projects including credit policies, processes, procedures, underwriting guidelines, software, etc

Develop credit underwriting and structuring skills for Line of Business Managers, Relationship Officers and Underwriters by facilitating periodic formal and informal training sessions. Provides ongoing mentoring for Relationship Officers and Underwriters during credit discussions

Qualification

Commercial lendingUnderwritingCredit policiesPortfolio managementRegulatory complianceOral communicationWritten communicationActive listeningMentoring

Required

High School Diploma required

Bachelor's Degree from an accredited 4 year university with an emphasis in business administration required

6+ years of experience in commercial lending (C&I or CRE) including underwriting and approval, with at least 2 years in business banking, commercial banking or commercial real estate loan production required

5+ years of experience in commercial lending (C&I or CRE) including underwriting and approval, with at least 2 years in business banking, commercial banking or commercial real estate loan production required

7+ years of experience in commercial lending (C&I or CRE) including underwriting and approval, with at least 2 years in business banking, commercial banking or commercial real estate loan production required

4+ years of Management experience required

8+ years of experience in commercial lending (C&I or CRE) including underwriting and approval, with at least 2 years in business banking, commercial banking or commercial real estate loan production required

5+ years of Management experience required

Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated

Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications

Must be able to clearly communicate verbally and in writing with all internal and external customers

Must also be able to hear sufficiently to engage in daily discussions and interactions

Must be able to read and understand bank-related documents

Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time

Must also be able to adapt to different work environments as needed to perform the job