Corporate Banking Portfolio Manager

American Savings Bank; Honolulu (HI); On-site; USD 150,000 - 210,000; Full time

Job summary

American Savings Bank in Honolulu, HI seeks a seasoned Corporate Banking professional to manage and grow profitable loan and deposit relationships. You will review and structure Commercial & Industrial and CRE loans, advise management on credit risk, and support the RM, Credit team, and operations through the life of the loan.

The role emphasizes risk-based loan structuring, covenant design, and independent credit judgment to preserve asset quality and client value in a dynamic market.

Qualifications

• Experience in commercial & corporate lending.
• Ability to review complex loan structures and advise on covenants.

Responsibilities

• Drive risk management for Corporate Banking portfolio.
• Structure and approve Commercial & Industrial and CRE loans.
• Advise RM and Credit team on loan risks and mitigants.
• Perform independent credit analysis and stress testing.
• Coordinate loan documentation, closing, and modifications.
• Monitor construction loans and large deposit onboarding.

Skills

Credit risk assessment

Cash flow modeling

Negotiation skills

Clear communication

Education

Bachelor's degree in finance or related field

MBA or advanced credential (preferred)

Tools

Excel

Credit analysis tools

Job description

Primary Purpose of Job

Drives and maintains a high quality, profitable loan and deposit banking relationships through sound risk management of the Corporate Banking portfolio. Responsible for the review, structuring, and approval of Commercial & Industrial and Commercial Real Estate loans and advises Management of loan structuring options to mitigate credit risk for the Bank.

Major Job Accountabilities

• Drives the active risk management of assigned Corporate Banking portfolio. Works to identify credit weaknesses and raise credit concerns in a timely manner, identify and structure appropriate risk mitigants, and reinforce timely and accurate risk rating assignments.
• Advises the Relationship Manager (RM), Department Manager, and Credit team on risks and mitigants associated with recommended deals. Generates sufficient structures and covenants that mitigate credit risk for the Bank.
• Independently reviews or develops the overall objective of the statistical analysis of each property/loan in order to depict sufficient financial information in reports. Advises Management by rendering an independent opinion on overall credit worthiness.
• Ability to independently advise clients of loan structuring options that best facilitate a successful transaction for the client and the Bank.
• Makes comprehensive recommendations on complex loan transaction and relationships.
• Proactive in the research of appropriate due diligence requirements relative to each borrower's operating history and proforma in determining the appropriate underwriting cash flow.
• Independently performs sensitivity analysis/stress testing and other alternative risk scenarios to ensure an adequate margin of repayment protection.
• Manages the negotiation and coordination of loan documentation, closing, and interfacing with Loan Operations for new loan originations, loan modifications, and loan amendments.
• Independently monitors construction loans and funds monthly draws per Bank policy.
• Experienced with deposit account establishment and cash management products and can assist the RM, Cash Management, and Commercial Account Servicing teams with the maintenance/onboarding of large and/or complex deposit customers
• Proactive delivery of accurate monitoring information to various internal stakeholders to assure the risk rating and regulatory asset quality rating for each loan reflects current conditions.
• Proficient communication with the RM, Department Manager, Credit Administration, and other internal stakeholders to promote transparency and a productive end-to-end loan process.
• If needed, ability to back up/perform duties of an RM intermittently and independently, which include interfacing with clients and/or prospects in order to maintain a high level of service.
• Provides guidance and coaching in building, managing and retaining corporate customer relationships.

Experience Required

Minimum two (2) to seven (7) years of the following experience

• Depending on years of experience, demonstrated knowledge in all aspects of commercial & corporate lending. Industry-leading ability to handle the largest and most complicated credit requests.
• Established experience in credit management.
• Independently handle all aspects of asset management on a portfolio size of loans and deposits ranging from $50 million - $100 million each ($200m+ combined)
• Experience leading others is preferred.

Required Skills or Training

• Demonstrated expertise in commercial and development principles, concepts, dynamics, market conditions, and trends
• Proven ability to negotiate and be influential with highly skilled borrowers and their associates, which include high-net worth professionals.
• Advanced in cash flow modeling, risk & return measurements.
• Advanced ability to review various legal documents including, but not limited to, promissory notes, mortgages, financing statements, security agreements, personal guarantees, subordination agreements, and workout agreements.
• In-depth knowledge in:
  • 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 bank products.
• Independent ability to analyze and evaluate financial/credit data and prepare reports.
• Demonstrated in applying financial regulations, policies, and procedures to analytical work.
• Excellent verbal, written, and interpersonal communication skills.

Professional Certifications, Licenses, And/or Registration Requirements

• Valid US driver's license and access to transportation

EOE, including disability/veterans

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!