Consumer Credit Center Manager

First Hawaiian Bank•Honolulu, HI

10d•$95,000 - $135,000

About The Position

First Hawaiian Bank is seeking a Retail Credit Center Manager to lead, oversee, and administer retail credit underwriting and credit operations supporting consumer and small business loans, lines of credit, and credit card products. The role ensures credit decisions align with the Bank’s credit risk appetite, applicable laws and regulations, and internal policies, while supporting efficient, timely, and consistent decision-making and a strong customer experience. The manager collaborates with Retail Credit & Origination, Deposit & Lending Services, Retail Credit Service Center, and other business partners on operational effectiveness, process improvements, system enhancements, and strategic initiatives. Compensation is $95,000–$135,000 per year, commensurate with experience. The hiring manager will determine the position level based on the candidate’s qualifications. The stated schedule is Monday through Friday, 8:00 a.m. to 5:00 p.m.; hours may vary.

Requirements

Bachelor’s degree in business administration, accounting, economics, management, or a related field, or an equivalent combination of education, training, and experience.
Extensive experience leading consumer and/or small business lending and underwriting operations within a financial institution, including consumer loans, credit cards, and related credit products.
Demonstrated expertise in credit risk management, portfolio performance monitoring, and consumer credit policy governance.
Strong knowledge of banking regulations and compliance requirements, including consumer lending regulations, Fair Lending, BSA/AML, CIP, privacy requirements, and related regulatory frameworks.
Experience leading audits, regulatory examinations, SOX controls, issue remediation, and quality assurance programs.
Experience developing, implementing, and maintaining underwriting guidelines, credit policies, operational procedures, and risk controls.
Advanced consumer and small business credit underwriting expertise, including developing and interpreting credit policies, underwriting standards, and product parameters.
Strong understanding of credit risk analytics, portfolio monitoring, trend analysis, performance management, and risk mitigation strategies.
Strong leadership and management skills, including the ability to lead, develop, and mentor managers and staff and foster an accountable, high-performance work environment.
Excellent executive-level verbal and written communication skills, including presenting recommendations and influencing senior leadership.
Strong analytical and problem-solving capabilities, including sound risk-based decision-making in complex situations.
Expertise in operational management, workflow optimization, service level management, and continuous process improvement.
Proven project leadership skills, including planning, execution, stakeholder management, and implementation of strategic initiatives.
Strong business planning, resource allocation, and budget management capabilities.
Proficiency with lending platforms, loan origination systems, workflow technologies, business intelligence and reporting tools, and Microsoft Office Suite.
Ability to handle highly confidential and sensitive information with sound judgment and discretion.
Ability to collaborate across business units and partner effectively with Credit Administration, Retail Credit & Origination, Operations, Compliance, Risk Management, Technology, and Retail Banking stakeholders.
For Assistant Vice President: at least five years of progressively responsible experience in consumer and/or small business lending, credit underwriting, credit risk management, loan operations, or related financial services functions, and at least three years of supervisory or management experience.
For Vice President: at least seven years of progressively responsible experience in consumer and/or small business lending, credit underwriting, credit risk management, loan operations, or related financial services functions, and at least five years of management experience leading teams, operational functions, or strategic initiatives.
Required experience may be obtained concurrently.

Nice To Haves

Experience in a banking or financial services environment supporting consumer and/or small business loans, lines of credit, and credit card products.
Experience leading or supporting lending operations, credit underwriting, credit risk, process improvement, or operational management functions.
Experience with lending technology platforms, loan origination systems, workflow systems, or related operational technologies.

Responsibilities

Lead, oversee, and administer retail credit underwriting and credit operations for consumer and small business loan, line of credit, and credit card products.
Ensure credit decisions are consistent with the Bank’s credit risk appetite, applicable laws and regulations, and internal policies.
Deliver efficient, timely, and consistent credit decisioning that supports operational objectives and customer experience expectations.
Collaborate with Retail Credit & Origination, Deposit & Lending Services, Retail Credit Service Center, and other business partners.
Support operational effectiveness, process improvements, system enhancements, and strategic initiatives.
Lead consumer and small business lending and underwriting operations while balancing credit quality, service levels, and customer experience.
Manage credit risk, portfolio performance monitoring, credit policy governance, underwriting guidelines, operational procedures, and risk controls.
Oversee audits, regulatory examinations, SOX controls, issue remediation, and quality assurance programs.
Lead organizational change, process improvement, operational efficiency, and lending technology initiatives.
Develop and mentor managers and staff, manage resources and budgets, and drive organizational objectives.
Manage regulatory, audit, and compliance matters and ensure timely remediation of findings.