Commercial Banking Analyst (Training Program)

Bank of Hawaii • Honolulu, HI

14h

About The Position

As an Individual Contributor, this role supports commercial lending activities by performing basic financial analysis, credit risk assessments, and underwriting for business clients. The position focuses on analyzing financial data, completing routine reviews, and maintaining accurate supporting documentation to facilitate credit decision‑making. This role provides foundational support to the credit process while developing skills in financial analysis and relationship management. Designated for high-potential candidates, our Credit Analyst Training Program offers an immersive two-year experience combining foundational banking skills with meaningful, hands-on development. This program accelerates learning, sharpens judgement, and prepares participants to step confidently into a career in banking. Interview Availability Requirement: Candidates selected for interviews who reside on Oahu must be available to attend an in-person interview on Friday, April 3, 2026 (time to be determined). Candidates who reside outside of Oahu will have the option to attend the in-person interview on Friday April 3, 2026. Those unable to attend in-person must be available to participate in a virtual interview on, or about, Monday, April 6, 2026. Candidates selected for this position will have a projected start date of July 6, 2026.

Requirements

• Bachelor’s degree in business administration, finance, or a related field. Equivalent work experience or certification(s) may be considered in lieu of degree.
• 2 years or less of experience in commercial credit analysis or related financial analysis roles.
• Proficient with Microsoft Office applications.
• Intermediate knowledge and skill proficiency in agility.
• Basic knowledge and skill proficiency in accuracy and efficiency, analytical thinking, cross-functional collaboration, customer experience, laws and regulations, problem solving, results driven performance, and technology literacy.
• Understanding of general accounting principles, financial analysis, and financial statements.
• Demonstrated critical thinking skills, strong attention to detail, and effective written and verbal communication skills.
• Ability to manage assigned tasks, meet deadlines, follow direction, and adapt to changing priorities.
• As a Bank of Hawaii employee, you ensure (or assist with ensuring) 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.

Responsibilities

• Assist with Financial Statement and Tax Return Analysis: Supports the review and basic analysis of financial statements and tax returns to help assess the borrower’s financial performance. Calculates financial ratios and flags potential issues for further review.
• Prepare Credit Memorandum Documentation: Assists in creating written summaries for loan amendments, renewals and new requests by compiling relevant data and drafting initial sections under supervision. Prepares requests to amend, extend, or waive loan terms with guidance from senior team members.
• Support Compliance Review: Prepares compliance reviews to assess borrower adherence to financial covenants and collateral requirements. Escalates exceptions or concerns to senior analysts or managers.
• Conduct Research and Due Diligence: Performs routine research and due diligence tasks as assigned, gathering information to support credit decisions and portfolio management. Collaborates with team members to resolve basic questions and ensure completion of assignments.
• Completes Core Curriculum Training: Satisfactory completion of foundational credit and banking skills curriculum.
• Performs other responsibilities and duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level