Consumer Lending Credit Supervisor

Does this sound like you?
Are you ambitious? Want to make a difference in people's lives? Do you thrive in an environment that leverages your abilities as a fast learner, good listener, and problem-solver? If you love challenges, relish complexity, and have moxie, consider applying your unique talents with a Hawaii banking leader - Bank of Hawaii. Here you can be at the forefront of whatever you do. Welcome to your tomorrow!
A day in your life as a Consumer Lending Credit Supervisor:
Under the direction of the Manager, the this position is responsible for rendering credit decisions on all consumer loan products following established guidelines, for analyzing supporting documents and communicating decisions to the branch or customer, while complying with established lending regulations, Bank policies and procedures. Also, this position is responsible for supervising a small team of Consumer Credit Officers. Ensures business unit's compliance with applicable laws, regulations, regulatory requirements and Bank policies and procedures, including but not limited to those related to Fair Banking, Anti-Money Laundering laws and regulations, Bank Secrecy Act and USA PATRIOT Act.
We'll give you these important responsibilities???
Makes credit decisions on consumer direct loan products including Home Equity Lines of Credit, in adherence to Bank Credit Policies and department procedures. Investigates and validates application information, and utilizes supporting documents to render decisions. Credit decision may include analysis of but is not limited to the following: customer, bank or third party sources for income documentation such as personal and related business tax returns, personal and related business financial statements, other financial data, credit exposure, credit reports, real property appraisals, title and other property information. Communicates lending decisions, requests for information and responses to inquiries courteously and proactively with internal retail/wholesale staff and external customers, Bank partners, etc. Also articulates current policies, procedures and/or processes as it relates to specific consumer lending products.
Exercises a higher level of individual lending authority than less senior Credit Officers for Direct Consumer Lending. Trains less experienced staff and executes specialized lending programs as appropriate. Exercises individual lending authority for Direct consumer Lending and specialized lending programs as appropriate. Ensures that lending decisions are sound, within authorized lending limits and in compliance with the Bank's lending policies. This Includes but is not limited to making decisions on loans within specified timeframes, from receipt of the application to final decision and through closing as applicable. Makes recommendations for loan applications outside of lending authority to a higher level of lending authority for review and approval.
Supervises staff resources to maintain productivity and quality of service standards, as established by management, with respect to service level agreements for credit decisions and closing of credit transactions. Monitors and supervises section's activities to ensure that credit decisions are made in timely and accurately using sound credit practices and in conformance with established policies/procedures. Recommends as appropriate alternatives for operational and process efficiencies as it relates to the underwriting process as well as the end to end direct consumer lending process. Provides training to less experienced staff on policy and procedures. Responsible for the updating, communicating and maintenance of the desk top procedures in conformity with approved policies/procedures.
Responsible for the management of all employees in the team including staffing and scheduling, compensation, performance management, training and development. Goal is to attract, retain and motivate the team to achieve management business objectives and maintain a favorable employee relations climate. Responsible for the timely and effective management of Human Resources forms and documents relevant to immediate staff.
Ensures adherence to federal regulatory requirements governing consumer credit. Adheres to established department policies and procedures relative to the underwriting, approval and closing of consumer loans. Actively stays abreast of changes in credit policies and lending guidelines and procedures, while being compliant with consumer regulations.
Assists the Manager in developing goals, strategies, and objectives to achieve the department's mission and vision that are in line with established corporate objectives. Communicates goals and strategies to lending staff. Responsible for maintaining the highest level of client service. Motivates staff to achieve both service objectives and goals.
???if you come to us with these qualifications???
Bachelor's degree from an accredited institution with major in business, finance, or a related field, or equivalent experience, mortgage or residential real estate lending preferred.
Additional education and certification may be required for mortgage underwriters working with loans regulated by government agencies, such as the Federal Housing Administration (FHA).
Minimum 7 years of experience in consumer lending, with emphasis on mortgage or home equity line of credit underwriting.
Able to render decisions on more complex home equity lines of credit and other consumer products or equivalent work experience.
Requires prior lead/supervisory/management experience.
Technical Skills:
Demonstrated proficiency with personal computers in a networked environment and Microsoft applications (Outlook, Word, Excel, and PowerPoint) or similar software.
Knowledge of or ability to use Bank software and systems, including proficiency with automated underwriting systems.
Other Job Qualifications:
Demonstrated verbal and written communication skills.
Demonstrated understanding of consumer finance and accounting.
Must be detail oriented to ensure credit decisions are executed in compliance with policies and procedures.
Possess excellent research and decision making abilities, and able to work effectively under deadline and volume pressures.
Must have the ability to work effectively in a team and prioritize workload to meet deadlines.
Must possess effective interpersonal skills and a collaborative management style to include teamwork, team building, conflict management, negotiating and problem solving skills.
Must have excellent customer service and communication skills.
Able to work evenings, weekends and holidays as required.
Bank of Hawaii
In 1897, Bank of Hawaii was the first chartered and incorporated bank in the Republic of Hawaii. We've been here from territorial days, growing and changing with Hawaii. Today, we are the largest independent bank in Hawaii - a result of knowing our business and community, and always staying ahead of change. We are constantly finding creative ways to deliver leading edge financial services to our customers. Now, we're embracing change with our new 21st century banking.
It's our people who help us succeed in offering first class service and products to our customers. As a member of the Bank of Hawaii community, you will be among the very best in your profession in an environment that places a high value on integrity, innovation and teamwork. People who are agile, savvy, forward-thinking and entrepreneurial can learn and grow with us.
All qualified applicants will receive consideration for employment and will not be discriminated against on the basis of any legally protected classification including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or protected veteran status. Bank of Hawaii takes affirmative action in support of its policy to advance in employment legally recognized individuals including minorities, women, protected veterans and individuals with disabilities.

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