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Manager, Business Credit

Company: American Savings Bank
Location: Honolulu
Posted on: June 24, 2022

Job Description:

About American Savings BankAmerican Savings Bank (ASB) has been serving Hawaii's businesses and communities since 1925 and currently provides a full range of financial products and services, including business and consumer banking, home loans, insurance and investments. ASB is one of Hawaii's leading financial institutions, with e-banking services and branch locations throughout the state offering evening, weekend and holiday hours. ASB provides Hawaii's consumers and businesses with more extended weekday and weekend hours than other similarly sized local banks, as well as convenient in-store branches. ASB was the first Hawaii bank to introduce remote-deposit capture with a mobile banking application.ASB matches its exceptional customer experience with an employee experience that has garnered local and national awards. ASB has been recognized locally as one of the "Best Places to Work" by Hawaii Business Magazine for 11 consecutive years and honored nationally as one of the "Best Banks to Work For" by American Banker Magazine. Fortune Magazine has recognized ASB as one of the 100 Best Workplaces for Women and 50 Best Workplaces for Diversity. For more than 95 years, ASB has been helping build strong communities. Through its Seeds of Service program, ASB teammates have contributed more than 63,000 hours of volunteer service, and ASB has donated millions of dollars to Hawaii's nonprofits and community organizations. For more information, visit https://www.asbhawaii.com/ or follow American Savings Bank on Facebook, Instagram and LinkedIn.Primary Purpose Of JobManages the Business Credit Management team responsible for underwriting small business commercial loans. Drives high quality, profitable loan growth through sound underwriting and structuring.Major Job AccountabilitiesLeads the Business Credit team to ensure business banking and commercial loans are underwritten with reasonable structure and terms, adherence to underlying policies/guidance, and sound credit analysis.Provides structuring guidance to business banking loan officers and branch teammates to ensure loan purpose is adequately defined and repayment terms are consistent with the use of proceeds, collateral pledged, and facility type.Works closely and collaboratively with business banking lending teammates to identify credit weaknesses and raise credit concerns in a timely manner, identifies and structures appropriate risk mitigants, and reinforces timely and accurate risk rating assignments.Performs financial statement analysis in support of credit requests.When appropriate, performs sensitivity analysis/stress testing and other alternative risk scenarios to ensure an adequate margin of repayment protection.Strives to meet SLA for business banking loan production.Exercises individual lending authority as applicable and make recommendations on credit requests in excess of individual lending authority.Experience RequiredFive (5) years of commercial and/or small business lendingRequired Skills Or TrainingStrong knowledge and understanding of commercial loan products, policies, procedures and federal regulations.Ability to work independently, effectively, and efficiently under time constraints.Ability to prioritize and manage multiple assignments with excellent organizational skills.Ability to remain flexible in a demanding work environment and adapt to rapidly changing priorities.Proficient in use of Microsoft Office (Excel, Word, PowerPoint, Outlook).EOE, including disability/veteransAt American Savings Bank, we welcome and support all individuals and celebrate the diversity of our team members, customers and community. We are committed to ensuring that our online application process is accessible and provides an equal employment opportunity to all job seekers. If you need assistance searching for a job or submitting an application, please contact us by calling 808-538-2000 and a member of our Recruitment team will follow up with you. Mahalo for your interest in American Savings Bank!

Keywords: American Savings Bank, Honolulu , Manager, Business Credit, Executive , Honolulu, Hawaii

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