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    Senior Loan Officer - Honolulu, United States - Central Pacific Bank

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    Full time
    Description
    Job Description

    Job Description


    Position Function:


    Manage and grow a portfolio of high valued client relationships of loans and deposits accounts that meet established lending and operational policies and provides maximum profitability with minimum risk to the Bank.

    This position is Full-Time, on-site and located in downtown Honolulu.

    Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a "Voyaging Spirit" and being "Positively Ohana".

    Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness.


    Primary Accountabilities:

    Production Activities:


    Actively support the CRELD Team Leader's marketing efforts to generate new loan production, deposits, fee income and referrals to other business units.

    Generate new commercial mortgages and construction loans to meet annual production goals and objectives.
    Originate new commercial mortgage loans and construction loans, deposits, and fee income from new and existing sources of business.

    Conduct face to face meetings with high quality loan and deposit customers and prepare detailed call reports for customer contacts.


    Preliminary Review:

    Evaluate the borrowers and guarantors, prepare market research, discuss loan with Credit Administrator, prepare term sheets, review appraisal and environmental reports, review guarantor credit reports, review EDR screens and prepare environmental assessment questionnaires.


    Credit Approval Memorandum Preparation:

    Prepare CAM write-ups / review CAM write-ups by underwriters with clear, concise and timely loan request presentations that meet the Bank's quality targets, lending policies, and guidelines and assess the credit strengths, weaknesses, and potential risks.


    Loan Documentation:

    Review commitments letters, review title searches, review borrower documents, order and review loan documents, and review and sign-off on documentation checklist.


    Loan Draws:
    Review construction loan draws and inspection reports, review line draws, obtain disbursement approvals, and approve collateral releases.
    Participate in commercial real estate business organizations and attend meetings and functions.
    Actively participate in Bank-sponsored community events.

    Portfolio Management:


    Actively assist the Team Leader to manage the Lending Team's existing portfolio of commercial mortgage loans, construction loans, and business deposits.

    Proactively manage customer relationships to meet commercial mortgage and construction loan runoff projections and CRELD deposit goals and objectives.
    Ensure assigned portfolio of loans is in compliance with the Bank's credit policies and procedures.
    Keep abreast of trends and developments that may impact the quality of the assigned loan portfolio.
    Manage loan delinquents and maturing loans to ensure no administrative delinquencies of matured loans.
    Diligently monitored assigned loan portfolio to ensure risk-rating assessments are accurate with timely re-grades as appropriate.
    Prepare and review Term Loan Reviews to insure completeness and all issues addressed.
    Prepare and review Asset Quality Reviews to insure completeness and all issues addressed.
    Prepare and review Modification Memorandums to insure completeness and all issues addressed.
    Prepare and review Compliance and Risk Rating Validations to insure completeness and all issues addressed.
    Review annual property inspections and conduct follow-up actions as required.
    Review quarterly EDR collateral screens and conduct follow up actions as required.
    Diligently prepare customer call reports and update the CRIS systems for customer contacts.
    Monitor daily overdrafts for assigned customers.
    Complete checklist folders for loan downgrades to 4W or worse.
    Prepare portfolio management reports as assigned and provide updates for credits managed.
    Contribute to managing the Lending Team ticklers to attain the CRELD goal for 60+ days past due below 10%.
    Contribute to CRELD achieving satisfactory annual audit rating and FDIC examination reviews.

    People Management:
    Assist the Team Leader to provide management guidance and mentoring to the Lending Team staff members.
    Assist in the management of staff work assignments and workflows.
    Assist in mentoring team staff development and advancement and insure alignment with personal development goals.
    Assist in raising skill levels and core competencies of staff members.
    In the absence of the team leader, manage the team leader's responsibilities.

    Minimum Qualifications:

    Education:
    Bachelor's Degree required.

    Experience:
    6+ years in commercial real estate lending/commercial lending and relationship management, or equivalent work experience.

    Physical Requirements & Working Conditions:


    Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated.

    Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications.

    Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions.
    Must be able to read and understand bank-related documents.

    Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time.

    Must also be able to adapt to different work environments as needed to perform the job.

    We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

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