Bank of Hawaii
Under the direction of the Commercial Banking Center Manager, the Primary Relationship Officer ("PRO") is the primary contact between Bank of Hawaii and assigned commercial clients. He or she is responsible for all aspects of the client relationship and, as needs dictate, involves other bank officers and specialists to ensure that the client’s credit and non‑credit needs are met in a timely and profitable manner. The PRO negotiates credit types, amounts, and structure that are appropriate to the company’s borrowing needs and financial capacity, and identifies and monitors risks and actively manages the credit aspects of the relationship with support from the Commercial Credit Group.
Responsibilities
Markets appropriate and profitable credit and non‑credit products and services to existing and prospective bank clients; maintains ongoing dialogue with company management concerning the company’s strategy, position and prospects; builds relationships with existing referral sources and cultivates new referral sources both internally and externally; develops and executes a client‑relationship strategy plan to achieve win/win solutions for bank and client.
Regularly calls on clients and records the results of the call in a written memorandum to the credit file; provides the Commercial Credit Group with current and forward‑looking information to facilitate the completion of the Credit Write‑up, quarterly Asset Quality Report, and annual reviews for stand‑alone term loans or multi‑year facilities.
Prepares formal written requests for credit assistance in a timely manner to renew, cancel or restructure credit facilities; prepares and updates the Client Information Sheet as needed; prepares Risk Adjusted Return on Capital (RAROC) worksheet as needed; works in concert with the Commercial Credit Group on the type, amount, term & structure of credit that is appropriate to the client’s borrowing needs and financial capacity.
Ensures that borrower and transaction risk ratings are accurate at all times and promptly changes risk rating to reflect changed conditions; is responsible for ensuring that the system of records accurately reflects current risk ratings.
Facilitates the credit documentation and booking process with Bankoh Loan Center by negotiating documents with the client and obtaining client signatures.
Performs all other miscellaneous responsibilities and duties as assigned.
Qualifications
Bachelor’s degree preferably in business or a related area from an accredited institution, or equivalent work experience.
Level is dependent on years of experience and size/complexity of prior positions held. Commercial lending experience preferred. Loan workflow training and/or experience helpful. Relevant product and service knowledge. Sales or marketing experience with corporate/business relationship management experience.
Level I: Minimum 3 years of commercial credit experience or commercial credit underwriting experience preferred.
Level II: Minimum 4‑5 years of commercial credit experience or commercial credit underwriting experience preferred.
Level III: Minimum 7 years of commercial credit experience preferred or commercial credit underwriting experience preferred.
Level IV: Minimum 7 years of commercial credit experience including commercial credit underwriting experience preferred.
Must have a thorough understanding of all aspects of financial statements and their analysis, including cash flow lending.
Demonstrated proficiency with personal computer and Microsoft applications (Outlook, Word, Excel, and PowerPoint) or similar software; knowledge of or ability to use Bank software and systems.
Well‑developed analytical and problem‑solving skills. Excellent writing, speaking, and presentation skills. Ability to express complex ideas in concise and simple terms. Strong networking and business development skills. Solid product knowledge and business acumen. Able to build strong working relationships and partnerships across the organization with a collaborative and consultative approach. A team player.
Able to work flexible hours including holidays, weekends and evenings as needed or assigned. Must be able to provide own transportation or operate a vehicle with a valid driver’s license and commute as required. Travels by air as required.
As a Bank of Hawaii employee, you ensure (or assist with ensuring) compliance with applicable laws, regulations, 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.
Delivering exceptional customer experiences is at the heart of what we do at Bank of Hawaii. We listen, understand and deliver what our customers need to help them build a better tomorrow.
Seniority level Mid‑Senior level
Employment type Full‑time
Job function Finance and Sales
Industry Banking and Financial Services
We are an EEO/AA employer, including disability and veterans. For Bank of Hawaii's full EEO statement, please visit https://www.boh.com/careers.
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Responsibilities
Markets appropriate and profitable credit and non‑credit products and services to existing and prospective bank clients; maintains ongoing dialogue with company management concerning the company’s strategy, position and prospects; builds relationships with existing referral sources and cultivates new referral sources both internally and externally; develops and executes a client‑relationship strategy plan to achieve win/win solutions for bank and client.
Regularly calls on clients and records the results of the call in a written memorandum to the credit file; provides the Commercial Credit Group with current and forward‑looking information to facilitate the completion of the Credit Write‑up, quarterly Asset Quality Report, and annual reviews for stand‑alone term loans or multi‑year facilities.
Prepares formal written requests for credit assistance in a timely manner to renew, cancel or restructure credit facilities; prepares and updates the Client Information Sheet as needed; prepares Risk Adjusted Return on Capital (RAROC) worksheet as needed; works in concert with the Commercial Credit Group on the type, amount, term & structure of credit that is appropriate to the client’s borrowing needs and financial capacity.
Ensures that borrower and transaction risk ratings are accurate at all times and promptly changes risk rating to reflect changed conditions; is responsible for ensuring that the system of records accurately reflects current risk ratings.
Facilitates the credit documentation and booking process with Bankoh Loan Center by negotiating documents with the client and obtaining client signatures.
Performs all other miscellaneous responsibilities and duties as assigned.
Qualifications
Bachelor’s degree preferably in business or a related area from an accredited institution, or equivalent work experience.
Level is dependent on years of experience and size/complexity of prior positions held. Commercial lending experience preferred. Loan workflow training and/or experience helpful. Relevant product and service knowledge. Sales or marketing experience with corporate/business relationship management experience.
Level I: Minimum 3 years of commercial credit experience or commercial credit underwriting experience preferred.
Level II: Minimum 4‑5 years of commercial credit experience or commercial credit underwriting experience preferred.
Level III: Minimum 7 years of commercial credit experience preferred or commercial credit underwriting experience preferred.
Level IV: Minimum 7 years of commercial credit experience including commercial credit underwriting experience preferred.
Must have a thorough understanding of all aspects of financial statements and their analysis, including cash flow lending.
Demonstrated proficiency with personal computer and Microsoft applications (Outlook, Word, Excel, and PowerPoint) or similar software; knowledge of or ability to use Bank software and systems.
Well‑developed analytical and problem‑solving skills. Excellent writing, speaking, and presentation skills. Ability to express complex ideas in concise and simple terms. Strong networking and business development skills. Solid product knowledge and business acumen. Able to build strong working relationships and partnerships across the organization with a collaborative and consultative approach. A team player.
Able to work flexible hours including holidays, weekends and evenings as needed or assigned. Must be able to provide own transportation or operate a vehicle with a valid driver’s license and commute as required. Travels by air as required.
As a Bank of Hawaii employee, you ensure (or assist with ensuring) compliance with applicable laws, regulations, 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.
Delivering exceptional customer experiences is at the heart of what we do at Bank of Hawaii. We listen, understand and deliver what our customers need to help them build a better tomorrow.
Seniority level Mid‑Senior level
Employment type Full‑time
Job function Finance and Sales
Industry Banking and Financial Services
We are an EEO/AA employer, including disability and veterans. For Bank of Hawaii's full EEO statement, please visit https://www.boh.com/careers.
#J-18808-Ljbffr