Credit Administration Department Manager

Hawaii State Federal Credit Union•Honolulu, HI

2d•$82,910 - $132,655•Onsite

About The Position

The Credit Administration Department Manager provides enterprise-level leadership over the credit union’s credit administration and credit risk governance functions. This role is accountable for ensuring integrity, accuracy, and effectiveness of credit risk oversight across all lending portfolios, including residential mortgage, home equity, consumer, commercial real estate, business lending (including participations), and portfolio-level concentration management. The position supports the safety and soundness of the credit union by delivering disciplined credit risk monitoring, strong governance controls, and reliable reporting to senior leadership and the Board. The role leads the enterprise credit-risk monitoring and reporting framework, credit quality control, credit policy architecture, and the Allowance for Credit Losses (ACL/CECL) program. The manager chairs or supports key credit committees and ensures strong alignment with NCUA and state regulatory expectations. As a senior credit authority, the manager applies advanced commercial credit judgement and provides independent challenge on complex credit decisions, portfolio risk exposures, and concentration management. Success in this role requires strong partnership with business-line leaders across the first and second lines of defense, promoting a strong risk culture, transparent reporting, and effective challenge to enable prudent portfolio growth within the credit union’s risk appetite and within a well-controlled, regulatory-compliant environment. Please be aware the hiring process for this position will require in-person interviews at our HSFCU Headquarters, located in Downtown Honolulu.

Requirements

6-8 years of progressively responsible experience in credit administration, commercial lending, portfolio risk management, or credit risk review within a financial institution.
At least 3 years of experience approving or reviewing commercial credit relationships.
Advanced knowledge of commercial and CRE credit analysis, including financial statements, tax returns, global cash flow analysis, risk rating methodologies, collateral valuation, and prudent credit structuring.
Demonstrated ability to make independent, well-supported credit decisions on complex commercial lending relationships while balancing member needs with safety-and-soundness requirements.
Strong knowledge of credit union lending regulations (NCUA), consumer and commercial lending requirements, and real estate secured lending standards.
Knowledge of CECL/ACL concepts, risk modeling principles, and portfolio stress testing practices.
Knowledge of loan policy design, underwriting standards, and credit quality control across consumer, mortgage, and commercial portfolios.
Ability to challenge assumptions and identify credit weaknesses while maintaining constructive working relationships with lending teams.
Effective written and verbal communication skills.
Strong problem solving skills and attention to detail.
Strong time management skills, and ability to work independently in a fast paced, multitasking environment.
Good project management abilities.
Bachelor’s degree in business or related field or equivalent experience.

Nice To Haves

Prior higher-authority commercial credit approval experience strongly preferred.

Responsibilities

Provide enterprise-level leadership over the credit union’s credit administration and credit risk governance functions.
Ensure integrity, accuracy, and effectiveness of credit risk oversight across all lending portfolios.
Support the safety and soundness of the credit union by delivering disciplined credit risk monitoring, strong governance controls, and reliable reporting to senior leadership and the Board.
Lead the enterprise credit-risk monitoring and reporting framework, credit quality control, credit policy architecture, and the Allowance for Credit Losses (ACL/CECL) program.
Chair or support key credit committees and ensure strong alignment with NCUA and state regulatory expectations.
Apply advanced commercial credit judgement and provide independent challenge on complex credit decisions, portfolio risk exposures, and concentration management.
Partner with business-line leaders across the first and second lines of defense.
Promote a strong risk culture, transparent reporting, and effective challenge to enable prudent portfolio growth within the credit union’s risk appetite and within a well-controlled, regulatory-compliant environment.