Credit Analyst I

American Savings Bank Hawaii; Honolulu, Northern (HI, KY); Hybrid; USD 33,000 - 56,000; Full time

Job summary

American Savings Bank Hawaii in Honolulu, HI is seeking a Credit Analyst I to perform due diligence, prepare financial analyses, and underwrite credit risks for commercial and business banking clients. This entry-level role supports relationship managers and loan operations in a fast-paced banking environment.

The position requires 0–1 year of credit analysis experience, strong analytical skills, and a basic understanding of financial statements and tax returns.

Qualifications

• Basic understanding of tax returns, financial statements, accounting, and financial analysis.
• Effective written and verbal communication skills to logically present credit risks and conclusions in verbal and written form.
• Familiarity with financial statement spreading software and automated loan origination systems is a plus.

Responsibilities

• Prepares financial statement spreads and tax return analysis (business and individual).
• Creates and updates covenant compliance checks.
• Under guidance and supervision, completes low to moderate complexity credit write-ups for Bank customers in accordance with ASB credit policy & guidelines.
• Sets up and administers the financial reporting and financial covenants using the Bank's tickler tracking system.
• Completes periodic financial reviews of the Bank's customers as well as financial evaluation reviews of various departments.
• Enters and evaluates pertinent data into the loan origination systems in order to render a credit decision.
• Collaborates with relationship officers to adequately mitigate identified risks.
• Coordinates credit-scored booking process with loan operations.
• Processes and evaluates the monthly renewals of credit-scored lines of credit.

Skills

Tax returns

Financial statements

Financial analysis

Written communication

Tools

Financial statement spreading software

Automated loan origination systems

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.

Credit Analyst I

Individual Contributor Bonus Eligible Honolulu, HI, US

5 days ago Requisition ID: 3089

Salary Range: $24.00 To $41.00 Hourly

Primary Purpose of Job

Performs due diligence in the monitoring and maintenance of Commercial and Business Banking customers. Prepares financial statements spreads, tax returns analysis, and covenant compliance checks for customers. Underwrites and evaluates the credit risk associated with small business loan requests through the credit-scored process.

Major Job Accountabilities

• Prepares financial statement spreads and tax return analysis (business and individual).
• Creates and updates covenant compliance checks.
• Under guidance and supervision, completes low to moderate complexity credit write-ups for Bank customers in accordance with ASB credit policy & guidelines.
• Sets up and administers the financial reporting and financial covenants using the Bank's tickler tracking system.
• Completes periodic financial reviews of the Bank's customers as well as financial evaluation reviews of various departments.
• Enters and evaluates pertinent data into the loan origination systems in order to render a credit decision.
• Collaborates with relationship officers to adequately mitigate identified risks.
• Coordinates credit-scored booking process with loan operations.
• Processes and evaluates the monthly renewals of credit-scored lines of credit.

Experience Required

• 0 - 1 year of Commercial Credit analysis or related experience

Required Skills Or Training

• Basic understanding of tax returns, financial statements, accounting, and financial analysis.
• Effective written and verbal communication skills to logically present credit risks and conclusions in verbal and written form.
• Familiarity with financial statement spreading software and automated loan origination systems is a plus.

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. Mahalo for your interest in American Savings Bank!