Consumer Credit Analyst
Company: Bank of Hawaii
Posted on: June 7, 2021
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. 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.
- Makes credit decisions on consumer direct loan products with
strong focus on Home Equity Lines of Credit in adherence to Bank
Credit Policies and department procedures. Investigates and
validates application information, utilizing supporting documents
to render decisions. Credit decisions may include analysis of, but
are not limited to the following: customer, bank or third party
sources for income documentation such as personal and related
business tax returns, personal and related business financial
statements, other financial data, credit exposure, credit reports,
real property appraisals, title and other property information.
Communicates lending decisions to customer and branch staff.
- Maintains productivity and quality of service standards, as
established by management, with respect to service level agreements
for credit decisions and closing of credit transactions. This
includes but is not limited to making decisions on loans within
specified timeframes, from receipt of the application to final
decision and through closing as applicable. If appropriate,
recommends alternatives for operational and process efficiencies as
they relates to the underwriting process as well as the end to end
direct consumer lending process.
- Communicates lending decisions, requests for information and
responses to inquiries courteously and proactively with internal
retail/wholesale staff and external customers, Bank partners, etc.
Must be able to articulate current policies, procedures and/or
processes as they relate to specific consumer lending
- Exercises individual lending authority for Direct Consumer
Lending and specialized lending programs as appropriate. Ensures
that lending decisions are sound, within authorized lending limits
and in compliance with the Bank's lending policies. Makes
recommendations for loan applications outside of lending authority
to a higher level of lending authority for review and
- Ensures adherence to federal regulatory requirements governing
consumer credit. Adheres to established department policies and
procedures relative to the underwriting, approval and closing of
consumer loans. Actively stays abreast of changes in credit
policies and lending guidelines and procedures, while being
compliant with consumer regulations.
- Performs all other miscellaneous responsibilities and duties as
- Education: 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
- Experience: Minimum 0 - 2 years of experience in consumer
lending or related work experience.
- Technical Skills: 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.
- Other Job Qualifications: 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.
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 , Consumer Credit Analyst, Other , Honolulu, Hawaii
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