Commercial Deposit Analytics Lead

Bank of Hawaii•Honolulu, HI

About The Position

As an individual contributor, the Commercial Deposit Analytics Lead serves as Commercial Banking’s primary resource for deposit intelligence, portfolio performance reporting, and forward-looking opportunity analysis. The role transforms portfolio, market, and client information into actionable insights to identify deposit trends, opportunities, and risks; prioritize relationship activities; and support disciplined, profitable growth. It partners closely with Relationship Managers, Portfolio Managers, Treasury Management, Finance, Product, Risk, Operations, and other stakeholders. The position anticipates emerging trends, constructively challenges assumptions, and translates complex information into clear recommendations. Its analyses and strategies help bankers improve client acquisition, retention, share of wallet, deposit quality, and long-term relationship value. The role also supports compliance with applicable laws, regulations, regulatory requirements, and Bank policies and procedures, including Fair Banking, Anti-Money Laundering, Bank Secrecy Act, and USA PATRIOT Act requirements.

Requirements

Bachelor’s degree in finance, accounting, economics, business, data analytics, or a related field; equivalent work experience or certifications may be considered in lieu of a degree.
At least 6 years of experience in commercial banking, treasury management, deposit analytics, finance, business intelligence, strategy, or a related financial services environment.
Proficiency with Microsoft Office applications, including advanced proficiency in Microsoft Excel for data analysis, reporting, and management of large data sets.
Strong commercial judgment and intellectual curiosity.
Demonstrated ability to synthesize information from multiple data sources and translate complex findings into actionable business insights.
Ability to connect data to client behavior and business outcomes, influence without direct authority, protect confidential information, and manage multiple priorities independently in a dynamic environment.
Advanced knowledge and skill proficiency in business acumen, communication, continuous improvement, cross-functional collaboration, data analytics, financial acumen, portfolio analysis, strategic thinking, and quantitative and qualitative research.
Intermediate knowledge and skill proficiency in customer experience, decision making and judgment, risk analysis, and technology literacy.

Nice To Haves

Advanced degree and/or relevant professional certification.
Experience with business intelligence, data visualization, database, query, and reporting tools.

Responsibilities

Develop and maintain a comprehensive view of the Commercial Banking deposit portfolio, analyzing balances, flows, mix, pricing, concentration, seasonality, client behavior, product utilization, attrition, and other relevant drivers.
Distinguish recurring activity from anomalies and explain the business factors underlying material changes; provide insights that support portfolio growth, profitability, and retention.
Identify high-potential prospects, existing-client expansion opportunities, underpenetrated relationships, emerging market segments, and actionable cross-sell opportunities.
Develop fact-based recommendations on where Commercial Banking should focus coverage, calling activity, resources, and strategic attention.
Monitor deposit outflows, concentration, pricing sensitivity, runoff indicators, unusual changes, relationship attrition, and other portfolio risks; establish alerts and escalation routines, validate findings with relationship teams, and recommend retention or remediation strategies.
Produce dashboards, recurring performance reporting, forecasts, pipeline views, and executive-ready analyses; communicate conclusions, quantify opportunities where supportable, outline implications, and recommend actions, owners, and follow-up measures.
Monitor market conditions, competitor activity, client preferences, industry developments, pricing dynamics, and relevant economic or regulatory developments; assess potential impacts and recommend responsive growth, pricing, coverage, or product strategies.
Support targeted campaigns, client segmentation, banker scorecards, planning processes, ad hoc analyses, and special projects.
Improve data definitions, reporting consistency, analytical tools, and repeatable processes so relationship teams can efficiently act on deposit insights.
Promote consistency, transparency, and efficiency in delivering actionable deposit intelligence.
Perform other responsibilities and duties as assigned.
Ensure or assist with compliance with applicable laws, regulations, regulatory requirements, and Bank policies and procedures, including those related to Fair Banking, Anti-Money Laundering, the Bank Secrecy Act, and the USA PATRIOT Act.