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Commercial Banking Associate I

Company: Bank of Hawaii
Location: Honolulu
Posted on: June 7, 2021

Job Description:

Under the direction of the Manager, the Commercial Banking Associate assists the Portfolio Management Officer (PMO) and Primary Relationship Officer (PRO) with the evaluation of financial and other risks associated with business clients to enable the making of a credit decision. Ensures 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.

  1. Spreads Financial Statements, Business Tax Returns and Personal Tax Returns utilizing financial statement spreading software; prepares Loan and Account summary and financial updates to Asset Quality Reports.

  2. Performs covenant compliance and tracking through calculations and documentation on the Compliance Review Worksheet; performs collateral valuations and validates Borrowing Bases or Advances with restrictions.

  3. Analyzes financial statements, evaluates historical operating performance and financial condition, and assesses operational and credit risk in preparing Vendor Financial Reviews and Modified CAMs. Prepares Credit Approval Memorandum (CAM) package and written summaries, including forward looking acceptability of risks, primarily for simple annual line renewals and other credit requests with guidance and close supervision of the PMO and PRO. Assists with credit write up and supporting analysis, including cash flow and sensitivity projections.

  4. Assists PMO and/or PRO with research, due diligence, and analysis as requested. Includes preparation of credit amendments (CAM-3) for covenant waivers and/or extensions and establishment or renewal of ACH limits via CR68 or ACH Control Limit Report.

  5. Retrieves and reviews daily overdraft reports and ACH exceptions and recommends appropriate disposition of overdrafts and ACH exceptions with adequate research to support recommendation; communicates with client and PRO as necessary.


  1. Education: Bachelor's degree from an accredited institution, preferably with major in business or related area, or equivalent work experience. Requires a good understanding of general accounting principles, financial analysis, ability to comprehend various types of financial statements, and an understanding of business financial concepts like cash flow, credit scoring, etc.

  2. Experience: General knowledge of banking industry and products gained through study, internship, completion of the Bank Associate program or work experience in banking and/or other financial institutions or equivalent work experience.

  3. Technical Skills: Demonstrated proficiency with personal computers and Microsoft applications (Outlook, Word, Excel, Access and PowerPoint) or similar software. Requires excellent worksheet skills and good working knowledge of database programs. Knowledge of or ability to use Bank software and systems.

  4. Other Job Qualifications: Demonstrated verbal and written communication skills including presentation skills. Able to demonstrate strong analytical and quantitative skills, with excellent attention to detail. Must be able to meet deadlines and handle multiple priorities. Must possess good working knowledge of accounting principles. Possesses good interpersonal skills and client servicing skills to meet the Bank's standards. Must always follow up and follow through. Able to work flexible hours including weekends and evenings as needed or assigned.

We are committed to fully complying in letter and in spirit with all Equal Opportunity Employment and Affirmative Action laws and regulations. All qualified applicants will receive consideration for employment and will not be discriminated against on the basis of race, color, religion, sex, including gender identity or expression, sexual orientation, national origin, citizenship, ancestry, age, marital status, genetic information, domestic or sexual violence victim status, disability, protected veteran status or any other status protected by federal, state or local law. We also foster a drug-free work environment.

Keywords: Bank of Hawaii, Honolulu , Commercial Banking Associate I, Other , Honolulu, Hawaii

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