Commercial Banking Officer

American Savings Bank; Honolulu (HI); On-site; USD 72,000 - 108,000; Full time

Job summary

American Savings Bank is seeking a Commercial Banking Officer in Honolulu to grow and manage a total banking relationship with emphasis on business credit products. You will review financial statements and credit analyses of borrowers, structure loan terms, and ensure proper documentation and risk reflects Bank standards.

The role requires 3–5 years in commercial banking, strong communication, and solid knowledge of legal financing documents.

Qualifications

• Three to five years of experience in commercial banking and relationship management.
• Ability to analyze and evaluate financial/credit data for borrowers.
• Knowledge of legal documents (notes, mortgages, security agreements) and regulatory concepts.
• Strong written and verbal communication skills.

Responsibilities

• Manages and retains commercial customer relationships.
• Negotiate and structure loan terms, including collateral requirements.
• Review credit proposals and financials to reflect risks to the bank.
• Execute and manage closing and booking of credit products.
• Monitor borrower performance and covenant compliance with Credit Administration.
• Support cash management, merchant services, insurance, and investment products for commercial clients.
• Maintain credit/financial files and ensure loan system accuracy.

Skills

Relationship mgmt

Credit analysis

Financial analysis

Interpersonal skills

Communication skills

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.

Commercial Banking Officer

2 days ago Requisition ID: 3100

Salary Range: $72,000.00 To $108,300.00 Annually

Primary Purpose of Job

Builds, cultivates, and maintains a total banking relationship to include all business products offered at American Savings Bank, with an emphasis on business credit products.

Reviews credit analysis or analyzes financial statements of the Bank’s national and local commercial borrowers and reviews Bank files to determine the nature and extent of all accounts and relationships.

Major Job Accountabilities

• Manages and retains commercial customer relationships.
• Negotiates and structures loan terms and conditions, including the costs, repayment method and schedule, and collateral requirements.
• Identifies and solicits potential customers and participates in the investigation, analysis and preparation of credit requests with the Bank’s Credit Administration in a manner that accurately reflects the risks to the Bank.
• Executes and manages the closing and booking of credit products.
• Timely monitoring of borrowers within the portfolio, including review of borrower performance and compliance with financial covenants with the facilitation of such tasks conducted by Credit Administration.
• Works to establish and maintain deposit accounts including customer servicing.
• Solicits and supports cash management products and services, merchant services, and insurance and investment products to the Bank’s commercial customers.
• Develops methods to effectively examine and analyze the financial stability, procedures, and operating history of commercial borrowers and prepares reports using information obtained from lending officers, borrowing customers, or other reliable sources.
• Maintains credit and financial files in accordance with Bank standards. Ensures loan system information accurately reflects the terms of approval.

Experience Required

• Three (3) to five (5) years of experience with commercial banking, including managing relationship activities, bank credit analysis, lending functions and preparation of written and oral presentations

Required Skills or Training

• Working knowledge of various legal documents to include, but is not limited to, promissory notes, mortgages, financing statements, security agreements, personal guarantees, subordination agreements, and workout agreements.
• Knowledge of:
  • Modern business practices and the legal structures of corporations, partnerships, and sole proprietorships.
  • Accounting principles and practices sufficient to analyze and evaluate financial conditions of corporate enterprises.
  • Business products in order to cross-sell Cash Management services and products.
• Ability to analyze and evaluate financial/credit data and prepare reports.
• Ability to apply financial regulations, policies, and procedures to analytical work.
• Excellent verbal, written, and interpersonal communication skills.

At American Savings Bank, we welcome and support all individuals and celebrate the diversity of our team members, customers and community. We are committed to ensuring that our online application process is accessible and provides an equal employment opportunity to all job seekers. If you need assistance searching for a job or submitting an application, please contact us by calling 808-538-2000 and a member of our Recruitment team will follow up with you. Mahalo for your interest in American Savings Bank!