Commercial Banking Analyst

Bank of Hawaii • Honolulu, HI

56d

About The Position

Under the direction of the Manager or Team Lead, the Commercial Banking Analyst assists with the evaluation of financial and other risks associated with business clients to enable the making of a credit decision. 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.

Requirements

• Education: Bachelor’s degree from an accredited institution, preferably with major in business or related area, or equivalent work experience.
• Experience: Level I: General knowledge of banking industry and products gained through study, internship, completion of the Bank Associate program or work experience in banking, other financial institutions or equivalent. Requires a good understanding of general accounting principles, financial analysis, ability to comprehend various types of financial statements, and an understanding of business financial concepts such as cash flow, credit scoring, etc. Level II: Minimum 1 to 2 years of commercial credit or related experience and demonstrated competency with the primary responsibilities of a Commercial Banking Analyst I. Satisfactory completion of Core Credit Training Modules. Requires a good understanding of general accounting principles, financial analysis, ability to comprehend various types of financial statements, and an understanding of business financial concepts such as cash flow, credit scoring, etc.
• Technical Skills: Demonstrated proficiency with personal computers and Microsoft applications (Outlook, Word, Excel, and PowerPoint) or similar software. Knowledge of or ability to use Bank software and systems. Requires excellent worksheet skills and good working knowledge of database programs.
• Other Job Qualifications: Demonstrated verbal and written communication skills including presentation skills. Able to demonstrate strong analytical and quantitative skills, with excellent attention to detail. Must be able to meet deadlines and handle multiple priorities. Must possess good working knowledge of accounting principles. Possesses good interpersonal skills and client servicing skills to meet the Bank’s standards. Must always follow up and follow through. Able to work flexible hours including weekends and evenings as needed or assigned.
• 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.
• 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.
• 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.

Responsibilities

• Spreads Financial Statements, Business Tax Returns and Personal Tax Returns utilizing financial statement spreading software; prepares Loan and Account summary and financial updates to Asset Quality Reports.
• Performs covenant compliance and tracking through calculations and documentation on the Compliance Review Worksheet; performs collateral valuations and validates Borrowing Bases or Advances with restrictions.
• Analyzes financial statements, evaluates historical operating performance and financial condition.
• Assists with or prepares Credit Memorandum packages and written summaries, including forward looking acceptability of risks, primarily for simple annual line renewals and other credit requests with guidance and close supervision.
• Assists with or completes the credit write up and supporting analysis, including cash flow and sensitivity projections.
• Assists with research, due diligence, and analysis as requested.
• Prepares credit amendments for covenant waivers and/or extensions and establishment or renewal of ACH limits.
• Performs all other miscellaneous responsibilities and duties as assigned.
• This job requires use of a personal computer and other standard office equipment.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Number of Employees: 1,001-5,000 employees