Commercial Lending Officer

Aloha Pacific Federal Credit Union; Honolulu (HI); On-site; USD 90,000 - 150,000; Full time

Job summary

Aloha Pacific Federal Credit Union seeks a seasoned CRE lending professional to originate, structure, and manage commercial real estate loans for members in alignment with our mission and risk framework.

You will partner with underwriting, credit administration, and operations to ensure high-quality credit decisions, strong asset quality, and exceptional member service while balancing business development with disciplined lending standards.

Qualifications

• Bachelor's degree in finance, business, economics, real estate, or related field.
• 3 years experience in commercial real estate lending, commercial credit, or relationship management.
• 5 years experience in commercial real estate lending, commercial credit, or relationship management.

Responsibilities

• Originates, structures, and manages commercial real estate loans for members.
• Collaborates with underwriting, credit administration, and operations to ensure high-quality credit decisions.
• Maintains strong asset quality and delivers value through responsible lending solutions.
• Ensures compliance with NCUA regulations and cooperative values.

Skills

CRE underwriting

Cash flow analysis

Collateral valuation

NCUA regulations

Relationship management

Business development

Credit standards

Microsoft Office

Loan origination systems

Ethical standards

Education

Bachelor's degree in Finance/Business/Economics/Real Estate

Tools

None

Job description

Responsible for originating, structuring, and managing commercial real estate loans for credit union members in alignment with the credit union’s mission, risk appetite, and regulatory framework. This role focuses on long‑term relationship banking, prudent portfolio growth, and delivering value to members through responsible lending solutions.

Partners closely with underwriting, credit administration, and operations teams to ensure high‑quality credit decisions, strong asset quality, and exceptional member service.

MINIMUM QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Pay will be determined based on experience.

Education

• Bachelor’s degree in Finance, Business, Economics, Real Estate, or a related field (or equivalent experience)

Experienc e 1

• 3 years experience in commercial real estate lending, commercial credit, or relationship management

Experience 2

• 5 years experience in commercial real estate lending, commercial credit, or relationship management

Skills

• Strong understanding of commercial real estate underwriting, cash flow analysis, and collateral valuation.
• Familiarity with NCUA regulations and member business lending requirements.
• Excellent interpersonal, communication, and relationship management skills.
• Ability to balance business development with disciplined credit standards.
• Proficiency in Microsoft Office and commercial loan origination / credit systems.
• Commitment to cooperative values and member‑focused service.
• Strong local market knowledge and community presence.
• Detail‑oriented with sound judgment and ethical standards.
• Ability to manage multiple relationships and transactions concurrently.

Credit must be in good standing. Must be bondable pursuant to §713.3(b) of the NCUA’s Rules and Regulations.