Position Summary

The Credit Administration Department Manager provides enterprise-level leadership over the credit union's 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 expectations.

As 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 union's risk appetite and within a well-controlled, regulatory-compliant environment.

Please be aware the hiring process for this position will require in-person interviews at our HSFCU Headquarters, located in Downtown Honolulu.

Base Annual Salary Range: $121,900 - $160,020 per year
The posted range reflects the anticipated base pay for this position, with final compensation determined based on experience, skills, and internal equity.

Essential Duties & Functions

Enterprise Leadership & Management

• Develops, implements, and ensures consistent application of credit policies, procedures, authorities, and governance.

Credit Risk Monitoring, Reporting & Analytics

• Leads enterprise credit risk monitoring across all portfolios, ensuring early identification of emerging risks, concentrations, and quality trends.
• Oversees preparation of credit information used in the NCUA 5300 Call Report and supports Finance with credit related information for asset quality, reserves, and financial statements.

Senior Loan Officer

• Serves 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 portfolios.
• Assesses 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 conditions.

Credit Quality Control & Governance

• Oversees monitoring of lending authorities across the organization; maintains approval hierarchies, authority logs, and governance processes.

Risk Models, Stress Testing & CECL

• Owns the CECL/ACL model process, including model operation, segmentation, assumptions, scenario development, Q factor framework, documentation, and governance.

Credit Policies, Procedures & Regulatory Compliance

• Develops, updates, and manages the credit policies, guidelines, and procedures framework ensuring alignment with NCUA, state laws, and internal controls.

Required Qualifications & Experience

• 6-8 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 relationships.
• Knowledge 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 structuring.
• Demonstrated ability to make independent, well-supported credit decisions on complex commercial lending relationships while balancing member needs with safety-and-soundness requirements.
• Bachelor's degree in business or related field or equivalent experience.

Preferred Qualifications & Experience

• Strong knowledge of lending regulations, consumer and commercial lending requirements, and real estate secured lending standards.
• Knowledge of CECL/ACL concepts, risk modeling principles, and portfolio stress testing practices.