Portfolio Management Officer I, II, III

Under the direction of the Manager, acts as the Corporate Banking Relationship Manager’s (RM) direct liaison to the client, agent bank, and/or other participating banks to facilitate, coordinate and service all new and existing credit relationships. This position monitors the credit quality of existing credit relationships and works closely with the Corporate Banking Service Representative (CBSR) to ensure that all administrative functions related to existing credit relationships are completed in a timely and accurate manner.

• Assigned a portfolio of clients of credit relationships representing moderate complexity within the Corporate Banking Group. Reviews financial statements, covenant compliance, and current industry, marketplace and competitive conditions. Assists in the validation of risk rating. Analyzes cash flow projections and formulates alternative risk scenarios; performs other due diligence as necessary.  Communicates directly with client, agent bank or other participating banks to obtain information under some supervision of the Senior PMO, Team Leader or RM. Ensures that the RM and other appropriate parties are informed about the current status of credit transactions.
• Prepares moderate to complex Credit Approval Memorandum (CAM) package and written summaries, including forward-looking acceptability for Credit Write-up. Communicates with RM, client and/or agent bank to obtain information. Ensures the accuracy of the content of these documents. Obtains approval from appropriate bank officer.
• Ensures that structures, credit covenants, and/or credit facilities proposed by the RM conform to the Bank’s policies and makes recommendations for improvements.
• Facilitates documentation process with external attorney and/or Bankoh Loan Center (BLC): Prepares advisement letter for RM, if appropriate; Orders documents from external attorney and/or BLC for timely delivery to client. Completes review of documents to ensure accuracy as approved, prior to obtaining client’s signature(s). Assists the RM in loan closing with client. With the assistance of the CBSR, ensures that BLC receives all required documents to book the credit transaction. Obtains approval for waivers or follows up for missing, incomplete or other documentation discrepancies.
• Tracks, monitors and insures that updated financial information and compliance certificates are received and reviewed based on the established terms and conditions of each assigned credit transaction. Follows-up for any missing information directly with the client and/or agent bank.
• Performs deal screens with Wholesale Credit and RM. Reviews daily overdraft reports and recommends appropriate disposition for the overdraft; communicates with client and RM as necessary.
• Performs all other miscellaneous responsibilities and duties as assigned.

• Bachelor’s degree from accredited institution, preferably with major in business or related area, or equivalent work experience.
• Level is dependent on years of experience and size/complexity of prior positions held.
  • Level I: Minimum 5 years of business experience, with 2 to 3 years of commercial credit or commercial lending experience.
  • Level II: Minimum 6 years of business experience, with 4 years of commercial credit or commercial lending experience.
  • Level III: Minimum 7 years of business experience, with 4 to 5 years of commercial credit or commercial lending experience.
• Demonstrated proficiency and expertise with personal computers in a networked environment and Microsoft applications (Outlook, Word, Excel, Access, and PowerPoint) or similar software.  Knowledge of or ability to use Bank software and systems. Working knowledge of conventional and/or government guidelines and familiarity with automated underwriting system (DU, LPS, etc.) is required.
• Well-developed analytical and problem-solving skills. Thorough knowledge of financial statement analysis, including cash flow lending. Excellent writing, speaking, and presentation skills. Must have the ability to express complex ideas in concise and simple terms. 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 and commute as required. Off-island travel may be required.

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.