ACL & Credit Portfolio Manager

CPB Group Pty; Honolulu (HI); On-site; USD 98,000 - 138,000; Full time

Job summary

CPB Group Pty in Honolulu, HI is seeking a Senior ACL/Portfolio Manager to oversee credit loss forecasting, ACL calculations, and risk analytics across diverse loan portfolios. You will lead a high-performing team, coordinate with finance, risk, and technology, and ensure SOX controls and regulatory compliance while driving data-driven reserve methodologies.

Candidates should have a Bachelor's in a related field, 7+ years in credit risk, and 4+ years of leadership experience; banking experience

Qualifications

• Bachelor’s Degree from an accredited 4-year university in a related field.
• 7+ years in credit administration, credit risk analysis, forecasting, accounting, or loan portfolio reporting.
• 4+ years of staff or cross-functional leadership experience.
• 2+ years of statistical modeling or banking experience preferred.
• Must be able to perform in an office setting.

Responsibilities

• Oversee CECL model execution including data prep, model runs, validation checks, and reconciliation to source systems.
• Lead monthly and quarterly loan reporting; own data extracts and resolve integrity issues across departments.
• Prepare complex credit risk management reports and presentations for senior management and committees, with analytics on asset quality and portfolio diversification.
• Review and approve documentation regarding forecast methodology and assumptions; oversee policy updates.
• Ensure SOX controls and regulatory compliance; collaborate with ERM on policy frameworks.
• Lead, coach, and develop a high-performing risk team to optimize ACL methodologies and portfolio reporting workflows.

Skills

Credit risk analysis

Forecasting

Financial accounting

Portfolio reporting

Leadership

Education

Bachelor's Degree in Accounting, Finance, Business, Economics, or related field

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Full-time ICP Support Honolulu, HI, US

30+ days ago Requisition ID: 4510

Salary Range: $97,698.00 To $138,365.00 Annually

Position Function:

The ACL & Credit Portfolio Manager is responsible for managing and directing activities in credit loss forecasting and allowance for credit losses (ACL), analyzing/reporting portfolio performance, monitoring for emerging credit risk, and synthesizing/incorporating market and economic trends. This includes overseeing the analytical evaluation of delinquency, nonaccrual, and charge-off data against current ACL coverage ratios for adequacy determination; assessing changes in loan portfolio risk characteristics; continuously enhancing evaluation metrics for the loan portfolio; and ensuring well-supported documentation on risk component calculations, analyses, and robust control testing procedures. Ensures the accuracy, efficiency, and transparency of credit loss reserves while enhancing data driven reporting, automation initiatives, and strategic decision-making. Lead, coach, and develop a high-performing risk team by setting clear expectations, delivering regular feedback, and supporting career growth, while fostering a culture of continuous improvement. This role acts as a primary liaison working closely with senior leadership across finance, credit, risk, and technology teams to enhance and streamline reserve methodologies.

Primary Accountabilities:

• Oversee and direct the execution of CECL models on a recurring basis, including data preparation, model runs, validation checks, and reconciliation to source systems. Manage the calculation and analysis of credit risk reserves across diverse loan portfolios, ensuring alignment with accounting standards. Lead the development and maintenance of reserve forecasting models, stress-testing frameworks, and scenario analyses. Identify key drivers of reserve changes, trends in portfolio performance, and emerging credit risks using advanced data analytics.
• Manage the creation of monthly and quarterly loan reporting; taking ownership of data extracts and working across departments to resolve integrity issues. Direct the continuous enhancement of evaluation metrics and data-driven reporting tools for the loan portfolio.
• Prepare complex credit risk management reports and presentations for senior management and committees, offering analytics on asset quality, concentration and diversification, expected portfolio performance. Partner with lending units and management to proactively identify, assess, and mitigate emerging portfolio risk.
• Review and approve well‑supported documentation regarding forecast methodology and assumption decisions. Drive the periodic review and updates of the ACL Committee charter, CECL and credit policies & procedures.
• Ensure that the bank remains in compliance with regulatory risk management requirements and directives. Oversee the timely and accurate execution of SOX controls and periodic testing, partnering closely with Enterprise Risk Management to ensure compliance with applicable policy frameworks.
• Lead, coach, and develop a high‑performing risk team by setting clear expectations, delivering regular feedback, and supporting career growth, while fostering a culture of continuous improvement to optimize ACL methodologies, credit analytics, and portfolio reporting workflows.

Minimum Qualifications:

Education:

• Bachelor’s Degree from an accredited 4-year university, preferably in Accounting, Finance, Business, Economics, Statistics, Mathematics, or related field required.

Experience:

• 7+ years of experience incredit administration, credit risk analysis, forecasting, accounting, and/or loan portfolio reporting.
• 4+ years of experience managing staff, project teams, or cross-functional resources required.
• 2+ years of experience in statistical modeling or regression analytics preferred.
• 2+ years of experience in banking preferred.

Physical Requirements & Working Conditions:

• Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated.
• Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications.
• Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions.
• Must be able to read and understand bank-related documents.
• Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job.

We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug‑free workplace and perform pre‑employment substance abuse testing.