Consumer Lending 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.

This role is locally based in Honolulu, Hawaiʻi and is designated as an onsite, in-office position.

- Level is dependent on years of experience and size/complexity of prior positions held.
- Associate’s 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).
- Level I: Minimum 0 - 2 years of experience in consumer lending or related work experience.
- Level II: Minimum 3 - 5 years of experience in consumer lending, with demonstrated experience reviewing and rendering credit decisions on home equity lines of credit and other consumer products or equivalent work experience.
- Level III: Bachelor's degree from an accredited institution with major in business, finance, or a related
field or equivalent work experience. An Associate degree from an accredited institution in
mortgage banking or financial service may substitute for up to two years of 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).
- Minimum 5 - 7 years of experience in consumer lending, with emphasis on mortgage or home
equity line of credit underwriting. Able to render decisions on more complex home equity lines
of credit and other consumer products.
- Senior: Minimum 7 or more years of experience in consumer lending, with emphasis on mortgage or home equity line of credit underwriting. Able to render decisions on more complex home equity lines of credit and other consumer products. Previous leadership experience preferred.
- 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.
- 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.