Junior Credit Analyst - Commercial Banking & Risk

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

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.