Apply on Employer Site

Bank of Hawaii · 1 day ago

Primary Relationship Officer

Honolulu, HI

Full-time

Onsite

Mid, Senior Level

3+ years exp

Bank of Hawaii is seeking a Primary Relationship Officer (PRO) to serve as the primary contact for assigned commercial clients. The PRO will be responsible for managing client relationships, negotiating credit, and ensuring that client needs are met in a timely and profitable manner.

BankingFinanceFinancial ServicesWealth Management

Responsibilities

Markets appropriate and profitable credit and non-credit products and services to existing and prospective bank clients; maintains ongoing dialogue with company management concerning the company’s strategy, position and prospects; builds relationships with existing referral sources and cultivates new referral sources both internally and externally. Develops and executes a client relationship strategy plan to achieve win/win solutions for bank and client. Regularly assesses and evaluates company management, its business operations and industry Management, Industry, Business and Evaluation (“MIBE”) and completes / updates the Client Information Sheet. Negotiates and provides needs-based solutions of credit and non-credit products & services to existing & prospective clients

Regularly calls on clients and records in written memorandum to the credit file the results of the call. Provides the Commercial Credit Group with current and forward looking information to facilitate the completion of the Credit Write-up, quarterly Asset Quality Report, and annual reviews for stand-alone term loans or multi-year facilities

Prepares formal written request for credit assistance in a timely manner in order to renew, cancel or restructure credit facilities. Prepares and updates the Client Information Sheet as needed. Prepares Risk Adjusted Return On Capital (RAROC) worksheet as needed. The PRO works in concert with the Commercial Credit Group as to type, amount, term & structure of credit that is appropriate to the client’s borrowing needs and financial capacity

Ensures that Borrower and Transaction Risk Ratings are accurate at all times, and promptly changes risk rating to reflect changed conditions; responsible for ensuring that the system of records accurately reflects current risk ratings

Facilitates the credit documentation and booking process with Bankoh Loan Center by negotiating documents with the client and obtains client signatures

Performs all other miscellaneous responsibilities and duties as assigned

Qualification

Commercial credit experienceFinancial statement analysisLoan work out trainingSales experienceBusiness relationship managementAnalytical skillsNetworking skillsProblem solving skillsWriting skillsPresentation skillsTeam player

Required

Bachelor's degree preferably in business or related area from an accredited institution, or equivalent work experience

Level is dependent on years of experience and size/complexity of prior positions held. Commercial lending experience, preferred. Loan work out training and/or experience helpful. Relevant product and service knowledge. Sales or marketing experience with corporate/business relationship management experience

Level I: Minimum 3 years of commercial credit experience or commercial credit underwriting experience preferred

Level II: Minimum 4-5 years of commercial credit experience or commercial credit underwriting experience preferred

Level III: Minimum 7 years of commercial credit experience preferred or commercial credit underwriting experience preferred

Level IV: Minimum 7 years of commercial credit experience including commercial credit underwriting experience preferred

Must have a thorough understanding of all aspects for financial statements and their analysis including cash flow lending

Demonstrated proficiency with personal computer and Microsoft applications (Outlook, Word, Excel, and PowerPoint) or similar software. Knowledge of or ability to use Bank software and systems

Well-developed analytical and problem solving skills

Excellent writing, speaking, and presentation skills

Must have the ability to express complex ideas in concise and simple terms

Possesses appropriate understanding of financial statements and their analysis, including cash flow lending

Able to make critical decisions independently

Possesses strong networking and business development skills

Has solid product knowledge and business acumen

Able to build strong working relationships and partnerships across the organization with a collaborative and consultative approach

Is a team player

Able to work flexible hours including holidays, weekends and evenings as needed or assigned

Must be able to provide own transportation or to operate a vehicle with a valid driver's license and commute as required

Travels by air as required