Credit Administration Department Manager

Position SummaryThe Credit Administration Department Manager provides enterprise-level leadership over the credit unions credit administration and credit risk governance functions. This role is accountable for ensuring integrity accuracy and effectiveness of credit risk oversight across all lending portfolios including residential mortgage home equity consumer commercial real estate business lending (including participations) and portfolio-level concentration management. The position supports the safety and soundness of the credit union by delivering disciplined credit risk monitoring strong governance controls and reliable reporting to senior leadership and the Board. The role leads the enterprise credit-risk monitoring and reporting framework credit quality control credit policy architecture and the Allowance for Credit Losses (ACL/CECL) program. The manager chairs or supports key credit committees and ensures strong alignment with NCUA and state regulatory a senior credit authority the manager applies advanced commercial credit judgement and provides independent challenge on complex credit decisions portfolio risk exposures and concentration management. Success in this role requires strong partnership with business-line leaders across the first and second lines of defense promoting a strong risk culture transparent reporting and effective challenge to enable prudent portfolio growth within the credit unions risk appetite and within a well-controlled regulatory-compliant be aware the hiring process for this position will require in-person interviews at our HSFCU Headquarters located in Downtown Annual Salary Range:$121900 - $160020per yearThe posted range reflects the anticipated base pay for this position with final compensation determined based on experience skills and internal Duties & FunctionsEnterprise Leadership & ManagementDevelops implements and ensures consistent application of credit policies procedures authorities and Risk Monitoring Reporting & AnalyticsLeads enterprise credit risk monitoring across all portfolios ensuring early identification of emerging risks concentrations and quality preparation of credit information used in the NCUA 5300 Call Report and supports Finance with credit related information for asset quality reserves and financial Loan OfficerServes as a subject matter expert in underwriting providing authoritative guidance and risk judgment on complex commercial real estate mortgage and consumer credit transactions ensuring consistent application of underwriting standards risk ratings and credit structures across all complex commercial credit structures global cash flow property level cash flow lease quality construction budgets collateral coverage guarantor strength and sensitivity to interest rate and market Quality Control & GovernanceOversees monitoring of lending authorities across the organization; maintains approval hierarchies authority logs and governance Models Stress Testing & CECLOwns the CECL/ACL model process including model operation segmentation assumptions scenario development Q factor framework documentation and Policies Procedures & Regulatory ComplianceDevelops updates and manages the credit policies guidelines and procedures framework ensuring alignment with NCUA state laws and internal Qualifications & Experience6-8 years of progressively responsible experience in credit administration commercial lending portfolio risk management or credit risk review within a financial institution.3 years of experience approving or reviewing commercial credit of loan policy design underwriting standards and credit quality control across consumer mortgage and commercial portfolios. Advanced knowledge of commercial and CRE credit analysis including financial statements tax returns global cash flow analysis risk rating methodologies collateral valuation and prudent credit ability to make independent well-supported credit decisions on complex commercial lending relationships while balancing member needs with safety-and-soundness degree in business or related field or equivalent Qualifications & ExperienceStrong knowledge of lending regulations consumer and commercial lending requirements and real estate secured lending of CECL/ACL concepts risk modeling principles and portfolio stress testing practices. Overview:Find your happy place. Hawaii State Federal Credit Union is more than a bank and not just another credit a place where Always Right By You isnt just a tagline to those we serve but a promise to our employees who enjoy generous benefits opportunities for career advancement and a healthy work-life balance. As an employee you will be part of a team that values trust encouragement and the holistic experience of working together. HSFCU offers a dynamic and supportive work environment where employees can enjoy competitive compensation and one of the best benefits packages in the :Competitive Compensation:HSFCU offers competitive pay merit increases and Coverage:Weve got you covered: full-time employees receive 100% coverage for medical and dental premiums plus 50% towards covering your family members. Pre-tax deductions for your Flexible Spending Plan can be added on as early as 6 months Time Off:Enjoy 13 paid holidays each year plus Election Day and up to 2 full days off for Community Service. Your hard work is rewarded with an increase in PTO accrual with every year youre Savings: Contribute to a 401(k) plan with up to 10% employer contributions including a 6% match and profit sharing after your first Subsidy:We make your daily commute stress-free. Receive 100% bus pass reimbursement or up to $100 subsidy towards parking and Pre-Tax & Wellness: Access to wellness fairs flu shot clinics and on-site fitness Benefits: Flexible spending plans credit union discounts life accident and disability Opportunities:HSFCU invests in employee development through in-person and online training programs workshops career development assistance and tuition assistance. Employees are encouraged to further their education and unlock new Environment:HSFCUs modern headquarters prioritize a balance between wellness and productivity offering a variety of amenities. The culture is inclusive with a focus on teamwork and community often described as an ohana or family Testimonials:Employees appreciate the supportive environment where everyones voice is heard and valued. The credit union has been recognized as one of Hawaiis best places to work for over 15 years.