ACL & Credit Portfolio Manager

Central Pacific Bank; Honolulu (HI); On-site; USD 98,000 - 138,000; Full time

Job summary

The ACL & Credit Portfolio Manager at Central Pacific Bank will oversee CECL models, data preparation, and reserve forecasting to ensure accurate credit loss reserves and transparent reporting. The role requires managing analytics on delinquency, risk trends, and portfolio performance while driving data-driven improvements.

You will lead a high-performing risk team, coordinate with finance, risk, and technology, and communicate results to senior leaders.

Qualifications

• Bachelor’s Degree from an accredited 4-year university, preferably in Accounting, Finance, Business, Economics, Statistics, Mathematics, or related field.
• 7+ years of experience in credit administration, credit risk analysis, forecasting, accounting, and/or loan portfolio reporting.
• 4+ years of experience managing staff, project teams, or cross-functional resources.
• 2+ years of experience in statistical modeling or regression analytics preferred.
• 2+ years of experience in banking preferred.

Responsibilities

• Oversee CECL model execution, including data prep, model runs, validation, and reconciliation.
• Manage monthly/quarterly loan reporting and data integrity across departments.
• Prepare complex credit risk reports for senior management and committees.
• Review and update forecast methodology, assumptions, and ACL policies.
• Ensure SOX controls and regulatory compliance with ERM support.
• Lead and develop a high-performing risk team and improve ACL methodologies.

Skills

CECL models

Credit risk analysis

Data analytics

Reporting

Leadership

Education

Bachelor’s Degree in Accounting/Finance/Business/Economics/Statistics/Mathematics

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

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.

Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a “Voyaging Spirit” and being “Positively Ohana”. Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness.

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.

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.