Job Title: Loan Manager           Status: Exempt             Direct Supervisor: Vice President / President

Purpose:         

To oversee and direct all personnel in the Loan department, to ensure adherence to Kahului Federal Credit Union’s (KFCU) quality standards, deadlines, policies and procedures as well as compliance with applicable state and federal regulations.

Essential Duties:

• Daily oversight of the Loan department:

• • Monitor Loan Officers and Loan Processors interactions with members and ensure service levels are of the highest quality.
  • Resolve member complaints or answer member questions regarding policies and processes.
  • Review of all loan transactions to ensure established policies and procedures are being followed. 
  • Supervise loan document preparation to ensure all loans are being processed in timely and compliant manner.
  • Oversee disbursement and collection activities.

• Ensure proper staffing levels and distribution of work duties:

• • Prepare Loan department employee weekly lunch/late schedules and monitor breaks.
  • Review and provide preliminary approval for vacations.
  • Create rotating schedule of loan department tasks; make adjustments as needed.
  • Periodically review job descriptions and task lists to ensure accuracy and relevancy.
  • Participate in the interview and screening of prospective Loan department employees and provide input in the selection of a final candidate.

• Staff Support

• • Step in to perform Loan Officer and Loan Processor tasks during breaks, peak hours, unscheduled absences or vacations.
  • Perform more difficult collection tasks.
  • Perform more complex operational tasks outside of the scope of Loan Officer and Loan Processor duties.

• Credit decisions, Management Loan Review Committee (MLRC):

• • Obtain and analyze information on applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
  • Review applications and advise Loan Officers/Processors on next step for each submitted loan application.
    • Approve loan (in accordance with limits of authority) or
    • Direct that the loan be submitted to the Management Loan Review Committee (MLRC)
  • Analyze each application to be submitted to MLRC and draft a summary outlining critical points to accompany that application.
  • Coordinate all logistics related to MLRC meetings. Ensure meetings are held in a timely manner and that the required majority of committee members are present.
  • Review activity of the MLRC to verify that actions (rejections, counteroffers, approvals) have proper justifications attached.
  • Verify that all rejected and counteroffered applications have Adverse Action notices completed.
  • Record and update MLRC loan decisions (minutes) each month.
  • If a member wants to appeal a loan decision; schedule and coordinate all logistics related to this “special” Board meeting. Ensure meetings are held in a timely manner upon the members written request and that the required majority of committee members are present.

• Tools and Systems

• • Ensure Loan Department has equipment, supplies and tools/reference materials necessary to perform their duties.  Communicate needs/suggestions to the Vice President or President.
  • Evaluate existing systems and software to ensure that the capabilities enable the Loan Department to perform accurately and efficiently. Explore potential solutions. Communicate needs/suggestions to the Vice President or President.
  • Review Core Processor and Loan platforms (Portico/Loancierge) enhancements and determine impact on the Loan Department and suggest plan for roll-out of any new procedures.

• Training and Development of Loan department employees:

• • Onboard each new employee. Coordinate all training activities.
  • Provide employees with guidance in handling difficult or complex problems or in resolving escalated complaints or disputes.
  • Encourage professional growth by providing employees with exposure to new tasks and responsibilities.
  • Train Loan Department employees on any system enhancements or new features.

• Performance Management:

• • Participate in the Performance Review process. Provide input as to performance levels of all Loan Department employees.
  • Coach and counsel employees as needed; monitor any performance improvement plans.
  • Celebrate achievements and acknowledge excellent performance.

• Serve as liaison to Operations Department, Accounting and Senior Management:

• • Advise other departments of Loan Department changes or concerns that may affect them.
  • Advise Loan Department team of other departmental changes or concerns that may affect them.
  • Encourage collaboration between teams and participate in the development of any cross-departmental procedures.

• Compliance/Security:

• • Through regular communication with the Loan team, ensure they are familiar with their roles and responsibilities with regard to State and Federal regulations such as the Bank Secrecy Act, OFAC requirements, Truth in Lending, Equal Credit Opportunity, Home Mortgage Disclosure Act, SAFE Act, Privacy Act, Elder Financial Abuse, Identity theft and all NCUA and CFPB regulations.
  • Keep abreast of Federal lending regulations and monitor day-to-day Loan Department activity for compliance. 
  • Monitor Loan team to be sure that all security and internal control processes are being followed. Address any issues.
  • Actively participate in the development and/or updating of policies and procedures as necessitated by ongoing changes in regulations.
  • Recommend any improvement to security and internal controls.

• Strategic and Financial:

• • Review delinquent accounts and develop repayment schedules. Submit recommendations for action on delinquent accounts.
  • Analyze delinquent accounts and assess collectability. Participate in allowance for loan loss provisioning.
  • Work with President to evaluate and develop lending and promotion strategies to improve loan portfolio
  • Review monthly production reports
  • Participate in the development of forecasts and projections, as needed
  • Research and report any potential enhancements to lending process including hardware, software, policies or procedures.

Other Duties:

• Attend Annual Membership Meeting and other credit union functions, workshops and conferences.
• Perform all other duties assigned by Management or Board of Directors.

Working Conditions:

• Indoors in air-conditioned office building.
• Equipment Use - Personal Computer, typewriter, calculator, copier machine, facsimile, telephone, scanner, security equipment.
• Work Hours - Generally 8:15 a.m. - 5:30 p.m. Monday through Friday. Occasional work in the evenings and/or on weekends.

Mental Demands:

• Requires attention to detail, alertness, and accuracy.
• The ability to reason and resolve potential problems that may affect the credit union.
• The ability to supervise others.
• The ability to maintain confidentiality
• Ability to read and comprehend written material, especially regulatory manuals and legal documents.

Physical Demands:

• Sitting and standing for several hours at a time.
• Extended hours working with a personal computer.
• Occasional lifting and carrying of up to 20 lbs of items such as boxes, forms, equipment, etc.

Communication Demands:

• Ability to communicate clearly and express ideas in face-to-face situations, on the phone and in written form.

General Qualification Requirements:

• Education/Experience - College degree in business administration or related field with 2 years work experience in a financial institution; or a combination of education and experience that provides the necessary skills and knowledge to satisfactorily perform the essential job functions.
• Notary Public – Currently commissioned as a Notary Public or the willingness to serve as a Notary Public
• Skills/Knowledge:

• • Proficient in Word and EXCEL.
  • The ability to learn financial industry software (such as Portico, Loancierge)
  • Familiarity with 10-key

Mortgage Loan Officer Registration Requirements:

KFCU is subject to the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act) which requires that employees performing mortgage loan origination activities to be registered with the Nationwide Mortgage Licensing System and Registry (Registry). Due to the limited size of our institution and the potential for loan-related duties to be shared among all employees in the Loan Department, each employee in the Loan Department will be required to register as a Mortgage Loan Originator (MLO) with the Registry.  Employees in a loan department position, will be required to submit to the Registry some identifying information and their financial services-related employment history for the past 10 years. Additionally, Loan department employees need to authorize the Registry and KFCU to obtain information related to sanctions or findings in any administrative, civil or criminal action to which they are a party, made by any governmental jurisdiction.  Loan Department employees will also be required to authorize the Registry to make available to the public the following information: name, employment by KFCU, 10 year financial services-related employment history, and certain criminal convictions, regulatory actions, civil judicial or litigation actions related to financial services. Individuals unable or unwilling to comply with the registration requirements of the S.A.F.E. Act will be deemed ineligible for the position.

Federal Credit Union Act and other related requirements:

Individuals may not be eligible for employment if they have received a conviction for a criminal offense involving dishonesty or a breach of trust, or have agreed to enter into a pretrial diversion or similar program in connection with a prosecution for such offense.  Further, to be employed at KFCU you must be “bondable.” Employees (including prospective employees) must provide all information required by an approved bond or insurance company to determine “bondability/insurability” and such individuals may not be employed if such coverage is denied or cancelled.  Prospective employees are subject to fingerprinting and will be required to consent to a formal background check, including credit history.  Suitability for employment will be considered in accordance with all laws and regulations applicable to Kahului Federal Credit Union.

The above information on this job description has been designed to indicate the general nature and level of work performed by an employee in this classification.  It is not to be interpreted as a comprehensive inventory, or all duties, responsibilities, and qualifications of employees assigned to this job.  Management has the right to add to, revise, or delete information in this description.  Reasonable accommodations will be made to enable qualified individuals with disabilities to perform the essential functions of this position.

If you are interested in being considered for our Loan Manager opportunity, please reply to info@kahuluifcu.com and attach a cover letter and resume.

MEMBER SERVICE REPRESENTATIVE (TELLER)

Come join our team! We are looking for a friendly, service-minded & team-oriented MSR to join us! Able to multi-task, responsible for accurate & efficient processing of member transactions while providing helpful service to our members and their families. Minimum 6 months cash handling experience preferred.  Must be available to work Mon-Sat.

We offer competitive pay, employer matching 401(k), health, dental & vision insurance, paid time off, dress down days on Monday, Wednesday & Friday, and more! 

Please email your resume to: humanresources@hawaiifcu.org

Or

Please mail your resume to:

Hawaii Federal Credit Union
1244 Kaumualii Street
Honolulu, Hawaii 96817

Member Services Representative

Provides quality and efficient member service by processing various transactions, opening new accounts, completing loan applications and other credit union services.  Cross-sells the CU’s products and services to members based on the member’s needs.  The ideal candidate must have excellent communication and interpersonal skills, at least 2 years of experience working in a financial institution setting, and have working knowledge of computers with an emphasis on Microsoft Office software.

Member Relations Officer

Provides quality and efficient member service by processing various transactions, by opening new accounts, completing loan applications/loan closings, and other credit union services. Cross-sells the CU’s products and services to members based on the member’s needs. The ideal candidate must have excellent communication and interpersonal skills, at least 2 (two) years' experience as a loan officer at a credit union or similar type financial institution, or equivalent education and work experience. They must also have a working knowledge of computers with an emphasis on Microsoft Office. This position reports directly to the Manager/CEO.

Please email your resume with salary requirements to info@ewafcu.com Attention Manager/CEO. 

President & CEO

Classification:           Exempt

Reports to:                 Board of Directors

Approved:                  September 2021

JOB DESCRIPTION

PURPOSE

Plan, direct and control all credit union activities in accordance with credit union plans, policies, governance policies, directives, and activities as established by the board of directors. Provide strategic direction, vision, leadership, and management.  Be responsible for ensuring financial safety, soundness, and stability and member satisfaction, commensurate with the best interest of the members, employees and credit union.

DUTIES AND RESPONSIBILITIES

• Direct all credit union operations, which include planning and implementing programs, policies and procedures.
• Individually and/or through subordinates, provide strategic and/or administrative direction and management in all credit union functions to include: Asset Liability Management, investments, lending, finance, accounting, business development, marketing, operations, retail services, risk management, security, compliance, facilities management, human resources management & development.
• Develop, recommend, and implement financial policies and procedures.
• Supervise a budget for the credit union that is consistent with the overall strategic plan, as approved by the board of directors.
• Promote products and services, provide outstanding member service, and achieve the goals of the credit union.
• Conduct business development activities to promote the growth and development of the credit union, build positive relationships with the field of membership and with appropriate trade associations and organizations.
• Ensure that the credit union is in compliance with all federal and state laws, and regulatory requirements.
• Present compensation philosophy to the Board. Plan and establish appropriate wage and salary structure in accordance with that philosophy.
• Implement and oversee the employee benefit program, balancing internal demands and equity in the marketplace and costs.
• Recruit and select quality applicants for management vacancies, ensuring that the credit union is adequately staffed with competent employees. Educate, train, and develop staff for appropriate promotions.
• Evaluate the job performance of credit union management and staff to ensure quality service to members, operational efficiencies, and goals progress.
• Conduct management meetings on a regular basis to ensure the dissemination of information, exchange of ideas, resolution of problems, discussion of trends, etc. Ensure that the information is communicated throughout the credit union.
• Ensure adequate equipment, supplies and working space is available.
• Manage security and safety for the credit union, with responsibility to analyze security and safety policies and procedures and alert staff of changes in a timely manner.
• Conduct self in a professional manner, consistent with the credit union’s image and mission statement; treating members, colleagues and subordinates with the utmost respect, courtesy and sensitivity.
• Report to the Board, on a monthly basis, the condition of the credit union and any items requiring the Board’s attention. Suggest educational opportunities for Board members to keep abreast with business trends, regulations, and compliance.

REQUIREMENTS AND QUALIFICATIONS

Minimum requirements for this position include:

• Bachelor’s degree in Finance or Business Administration
• Five or more years managerial/supervisory experience in public or private financial institution management
• Knowledge of the principles and practices of financial institution administration
• Knowledge of sound practices in all aspects of financial management
• Ability to develop and implement strategic plans and programs and to track, monitor and assess accomplishments/progress
• Ability to manage and resolve risk and crisis situations
• Knowledge of current industry technology for member distribution, and credit union operations and marketing
• Ability to communicate effectively with Board of Directors, staff, and business partners
• Ability to present information and recommendations effectively in oral and written form
• Close attention to details

COMMUNICATION AND RELATIONSHIPS

Must demonstrate leadership, promoting a positive environment and culture at KFCU, through clear communication and respectful relationships with staff, KFCU members, and members of the community. This should be accomplished through visibility in KFCU branch offices, connection with credit union and community persons, and active involvement in community organizations and activities.

SALARY

The Chief Executive Officer is a full-time exempt position. The starting, mid-point and maximum annual salaries are based on data provided by the Hawai‘i Employers Council and the Hawai‘i Credit Union League, and its structure is approved by the Board of Directors.

To apply, please submit your resume with cover letter, addressed to Ko‘olau FCU Personnel Committee, c/o Inkinen Executive Search, by email to executives@inkinen.com, no later than November 1, 2021. For more information, visit www.inkinen.com/koolau-fcu-ceo.

Administrative Assistant

Bank Secrecy Act Analyst/Senior Bank Secrecy Act Analyst

Bank Secrecy Act Specialist

BSA/AML Manager

Business Development Officer – Hawaii Island

Call Center Agent – Pearl City

Call Center Supervisor – Pearl City

Chief Lending Officer

Digital Banking Specialist

Financial Service Officer (Loans) / Financial Service Representatives (New Accounts) – Various locations

Fraud Manager

Information Security Risk Analyst

Mortgage Loan Officer – Maui, Neighbor Islands

Mortgage Loan Processor / Closer

Mortgage Loan Underwriter

Operations Analyst

Relief Financial Service Officer (Loans) / Financial Service Rep (New Accounts) – Oahu, Maui & Neighbor Islands

Senior Infrastructure Engineer

See details and apply online at www.hawaiiusafcu.com/careers.

Our Honolulu Branch has an opening for a Member Services Representative with 1 to 3 years of teller experience. Hourly wage is $18 to $20 DOE.  Excellent benefits package. Convenient location in Dole Cannery.  Free parking.  Please send resume to Careers@ILWUCU.org.

Financial Service Rep

Part-time (up to 20 hours per week).  Flexible hours. Full-time possibility.

• Assist members with their financial transactions
• ACH/Sharedraft processing
• Loan Processing
• Weekly Payrolls
• Other duties as assigned

Prior credit union or financial institution experience preferred.

Email Resume to:  info@1186ibewfcu.com

• Information Systems Coordinator
  
  
• Internal Auditor
  
  
• Teller Clerk I (various locations) 
  
  
• Member Relationship Specialist 

APPLY ONLINE

Approximately 550 square feet of office space available for lease in a secure environment located at 1654 S. King Street. Includes two window offices,large common area, and two parking spaces. Air conditioning included with access to kitchen, and meeting rooms. Please contact Grant Kashiwabara at 808.941.0556.

This is a listing of job opportunities in credit unions and related organizations in Hawaii. If you are interested in a particular job, respond directly to the credit union. The Hawaii Credit Union League acts as a clearinghouse for this listing and cannot assume responsibility for the validity of their descriptions.

Submissions to the Hawaii Credit Union League CU Classifieds can be submitted by e-mail to laurie.moore@hcul.org. Please indicate the dates you want your classified ad posted. All classified ads will be taken off this list after three months.