Commercial Banking Underwriter [Credit Group]
Bank of Hawaii 62 reviews - O‘ahu, HI

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Under the direction of the Commercial Banking Credit Manager, the Commercial Credit Underwriter is a partner to the Primary Relationship Officer, responsible for structuring deals and the evaluation of financial and other risks associated with business clients to enable a credit decision to be made. This individual must possess strong commercial credit skills and experience. In addition, this position is responsible for conducting sales and relationship management activities utilizing Excellence in Sales/Service (ESS) disciplines and behaviors.
      Responsibilities Include:

      Prepares CAM package and written summaries, including forward looking acceptability of risks for:
      • Credit Write-up;
      • Quarterly Asset Quality Report, to include forecast;
      • Annual term loan reviews for stand-alone term loans or multi-year facilities;
      Communicates with client and PRO to obtain information. Is responsible for the accuracy of the content of these documents.

      Facilitates documentation process with Commercial Banking SVC & Support (CBSS)
      • Prepares Advisement Letter for PRO, if appropriate;

      • Orders documents from CBSS for timely delivery to client; Complete review of documents to ensure accuracy as approved, prior to PRO obtaining the client’s signature(s).

        Structures, determines credit covenants, and /or fine-tunes credit facilities proposed by Primary Relationship Officer, and ensures that they are in conformity with bank policy.

        Monitors client financial condition through review of periodic financial statements, covenant compliance, and personal investigation of conditions in the industry, marketplace, competition and industry .
        • Analyzes cash flow projections and formulates alternative risk scenarios; performs other due diligence as necessary. Communicates with client and PRO to complete described job functions.
        • Provides input to the monitoring and validation of the assigned client risk rating
        Performs deal screens with Commercial Banking Credit Manager and Primary Relationship Officers.
        • Reviews daily overdrafts report and approves or recommends appropriate disposition for the overdraft; communicates with client and PRO as necessary.
        • May exercise delegated overdraft and daylight overdraft authority.

      • College degree preferably in business or related area, or equivalent business and/or business credit work experience.
      • Minimum of three years commercial credit experience, preferred:
      • Satisfactorily completed the “Commercial Credit” training or equivalent experience
      • Commercial lending line experience as a PRO is preferred
      • Strong analytical skills and must have a thorough understanding of all aspects of financial statement analysis, including cash flow lending.
      • Demonstrated verbal, written communication and client servicing skills which meets BOHC’s established standards.
      • Demonstrated interpersonal skills.
      • Demonstrated personal computer skills; working knowledge of MS Office and other spreadsheet and database programs

      About this company
      62 reviews
      Bank of Hawaii knows there's no place like home. The corporation is the holding company for Bank of Hawaii (familiarly known as Bankoh),...