Job Description
Are you ready to make an impact in the heart of the Pacific?
Hawaiian Pacific Banking is seeking a highly analytical and detail-oriented Credit Analyst to join our dynamic finance team in Honolulu, Hawaii. We pride ourselves on delivering exceptional service and fostering a culture of excellence. If you have a strong background in risk assessment and financial analysis, we want to hear from you.
In this pivotal role, you will play a key part in our lending decisions, ensuring our portfolio remains healthy and our clients receive the best financial solutions. Enjoy the perfect blend of professional growth and the Aloha spirit in a premier location.
Why Join Us?
- Competitive salary package ($65k - $90k)
- Comprehensive health and wellness benefits
- Opportunity to work in a beautiful, tropical environment
- Professional development and career advancement
Responsibilities
- Conduct comprehensive credit analysis and underwriting of loan applications to assess borrower risk and creditworthiness.
- Monitor and analyze existing credit portfolios to identify trends, delinquencies, and potential risks.
- Prepare detailed credit memos, financial analysis reports, and recommendation packages for credit committees.
- Review and interpret financial statements, tax returns, and cash flow projections.
- Ensure compliance with all bank policies, regulatory requirements, and lending standards.
- Collaborate with relationship managers to structure loan terms and negotiate terms with clients.
- Stay updated on industry trends, economic indicators, and regulatory changes affecting the credit environment.
Qualifications
- Bachelor’s degree in Finance, Accounting, Economics, or a related field.
- Minimum of 3-5 years of experience in credit analysis, underwriting, or commercial lending.
- Strong proficiency in Microsoft Excel, including advanced functions and financial modeling.
- Deep understanding of credit risk assessment principles and financial statement analysis.
- Excellent verbal and written communication skills with the ability to present complex data clearly.
- Detail-oriented with strong analytical and problem-solving abilities.
- Ability to work independently and meet strict deadlines in a fast-paced environment.