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Retail Credit Policy Analyst

Honolulu, HI 96816

Posted: 11/20/2018 Employment Type: Direct Hire Job Category: Finance Job Number: 16871

Identifies and evaluates credit risks associated with the Bank' s consumer and residential loan portfolios. Provides analytical support and recommendations to implement sound credit risk management practices, assists in writing policies and procedures, and evaluates/updates underwriting standards of the Consumer Credit Policy dept. Works closely with the Director of Consumer Credit Policy.
  • Develop, update and maintain retail credit policies and procedures.
  • Identify, evaluate and manage risks for the retail loan portfolios, including regular portfolio reviews and account monitoring program to identify emerging credit trends and adverse changes in account risk profiles in a timely manner. Risk management practices include:

Account Monitoring
  • Evaluate refreshed credit scores and collateral values (if applicable)
  • Use behavioral scoring and analysis of individual borrower characteristics to identify high risk accounts and potential problem accounts
  • Recommend preventive action as appropriate (such as freezing or reducing HELOC lines) for identified high risk accounts

Portfolio Management
  • Analyze portfolio segmentation based on criteria such as product type, credit score, DTI, LTV, vintage, and lien position.
  • Obtain updated information on collateral value when significant market factors indicate a potential decline in home values, or when the borrower' s payment performance deteriorates and greater reliance is placed on the collateral.
  • Validate collateral valuation models on a periodic basis and document the validation' s analysis, assumptions and conclusions, including back testing of sample valuations against market data on actual sales (when AVM' s are used to support collateral valuations).
  • Evaluate and update underwriting guidelines as appropriate.
  • Review and track all retail credit policy exceptions to ensure adequate compensating factors.
  • Develop stress testing assumptions and inputs for the retail loan portfolios.
  • Analyze and support qualitative factors for the retail ALLL.
  • Understand and stay on top of consumer regulations and regulatory guidance (including BASEL and all OCC publications, bulletins, or issuance relating to retail credit risk); align policies, procedures and practices to be in compliance
  • Assist with review of Residential Credit Review findings and responses, including potential resolution/remediation of defects

Minimum Experience Required:
  • Minimum 4 years of work experience in a financial institution with residential or consumer loan underwriting experience.
  • Proficient knowledge of consumer loan products.
  • Knowledge of federal and state regulations as they relate to consumer lending.
  • Knowledge of Microsoft Office software.
  • Ability to work independently, effectively, and efficiently under time constraints.
  • Ability to prioritize and manage multiple assignments with good organizational skills.
  • Ability to remain flexible in a demanding work environment and adapt to rapidly changing priorities.

Bishop & Company provides recruiting and placement services for client companies and opportunities for job seekers throughout Hawaii, with emphasis on executive search, direct hire, temp to hire, and temporary/contract staffing . We charge no fees to our placed candidates and our temporary/contract employees. Our client services are 100% guaranteed.

Please forward resumes to:
Bishop & Company
(or Email:

Phone: 808-839-2200

***No relocation, In-state applicants only. Must be available to interview immediately.***

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