UMB Bank jobs in Urban Honolulu, HI

**COMMERCIAL RELATIONSHIP SPECIALIST-FRANCHISE FINANCE & HEALTHCARE** At UMB Bank, the Commercial Relationship Specialist provides a highly skilled level of support to Relationship Managers and Clients within Commercial Banking while maintaining and supporting the development of relationships with customers and internal partners. **Primary Responsibilities** + Assist Relationship Manager(s) by performing daily support activities related to client relationships and keep respective Relationship Manager informed when appropriate + Act as point of contact for Commercial Banking clients for all servicing requests related to client relationship + Manage post-closing requirements such as exception citing's, collateral perfections, covenant items, etc. + Work closely with Treasury Management team to successfully onboard new Deposit Account and Treasury Services for clients as well as provide guidance to clients to the appropriate resource for servicing and assistance + Maintain client records for both loan and deposit accounts + Provide professional and courteous customer service while answering questions, researching issues, and providing resolutions as needed + Facilitate loan payoffs and collateral release requests + Assist with Analysis Refund requests + Facilitate no-pin wires + Assist with transfers + Handle customer overdraft communication and decisioning + Provide and assist with Loan and Deposit Account information/documentation **Requirements** + High School Diploma or GED and three (3) years general banking experience OR a Bachelor's degree and two (2) years banking or client support experience. Application Deadline: December 31, 2025 **Compensation Range:** $37,490.00 - $71,920.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

is eligible for a $1,000 sign-on bonus. Position Function: Handles incoming email/ telephone calls from internal/external customers according to established Call Center standards in a professional manner and taking follow-up action as necessary. Performs all duties and interacts with internal and external customers in a manner aligned with the Company's Core Values of Teamwork, Integrity and Exceptional Services (TIES); Customer Experience Competencies of Customer Interaction, Empowerment and Ownership; and Basic Skills of Listening, Oral Communication, Written Communication, Action Orientated, Thoroughness, Problem Solving. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a “Voyaging Spirit” and being “Positively Ohana”. Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Duties: Answer incoming email/ telephone calls in accordance with established Call Center standards and assist customers with various general banking needs in a professional manner and follow through with appropriate action. Provide customers with account information, help them resolve problems/issues/concerns, and contact appropriate personnel/departments as required. Document and/or escalate issues to ensure customers' concerns are addressed promptly and appropriately. Provide customers with general information on CPB products/services and other general information: Branch/ATM location and hours, Rates and fees, Deposit and loan accounts, Convenience and monetary products/services. Fulfill customers' special requests by utilizing support systems/tools or refer to appropriate personnel/departments. Prepare update forms for deposit and loan accounts, such as address and phone number changes. Prepare requests for duplicate statements, stop payments, fee waiver, check orders, close accounts, etc. Cancel lost/stolen cards, reset Internet Banking passwords, activate cards, etc Convert inquiries into account openings by referring customers to appropriate business units. Minimum Qualifications: Education: High School diploma or equivalent Experience: 1+ year of customer service experience Competencies: Achieving Results - Perseverance Achieving Results - Decisiveness Communication & Influencing - Approachability Operating Skills - Time Management Self-Management - Adaptability Knowledge, Skills & Abilities: Must be able to work a flexible work schedule to include before and after normal work hours, weekends, and holidays when necessary. Physical Requirements & Working Conditions: Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. Must be able to read and understand bank-related documents. Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

Assist and support in managing and growing a portfolio of high-valued clients in loan and deposit accounts/relationships that meet with established lending and operational policies and provide maximum profitability to the Bank with minimum risk. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a "Voyaging Spirit" and being "Positively Ohana". Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Special Program Structure: This position includes a structured career development program. Stage Location Duration Key Focus Stage 1 - CPB Training Honolulu, Hawaii Minimum 6 months (target 6-12 months) Core banking operations, relationship-management fundamentals, and cross-border business support. During this stage CPB will make the final determination on the overseas assignment. Stage 2 - North Pacific Bank Assignment Sapporo, Japan 12 months (Apr 2027 - Mar 2028) Months 1-3: New employee classroom training-Japanese banking principles, compliance, and service culture. Months 4-9: On the job rotation in the International Department-foreign exchange transactions, trade finance, and cross border wires. Months 10-12: Main Branch customer service placement-teller & lobby work, product consulting, and local market engagement. Primary Accountabilities: * Relationship Management: * Assist team to maintain, expand, grow and service commercial and private banking clients. * Respond to inquiries from new clientele. * Assist with depository servicing and loan requests from initiation to closing, including: * Account opening * Wire transfers * Monitoring of overdrafts * Information gathers * Management of portfolios * Timely identification of upcoming renewals and follow up * Responsible for deposit, loan and related product and services documentation audit. * Product Sales to New Customers: * Solicit new customers and sells bank products to affect * Total Deposit Balance * Total Loan Balance Portfolio * Fee Income (loan and deposit, wealth management fee income, foreign exchange, client property payment services) * Business Group/Community Involvement: * Must be an active member of a business association and/or bank-sponsored community group, representing the Bank to prospective customers and increasing mind-share of the Bank. Minimum Qualifications: Education: * Bachelor's Degree from an accredited 4-year university in Finance, Economics, or Business Administration required. Experience: * 6+ months of experience in Customer-facing roles (banking, hospitality, retail, etc.) preferred. Functional Skills: * Proficiency in Japanese language required; ability to read, write, and communicate in a business setting. Physical Requirements & Working Conditions: * Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. * Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. * Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. * Must be able to read and understand bank-related documents. * Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

Responsible for the management of the Loan Operations Business Units. Ensure that the areas provide excellent service to our external and internal customers in a cost-effective manner while maintaining internal controls and compliance with regulations. Ensure the servicing of loans is done with strong internal controls and exceptional customer service. The Loan Operations Director must be capable to work at a high level, possess independent judgment and make decisions as required. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a "Voyaging Spirit" and being "Positively Ohana". Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Primary Accountabilities: * Management of all loan related processes, including commercial & consumer servicing, payment & loan accounting, loan booking, and mortgage servicing. Works closely with all internal/external business units. * The Director works independently on assignments and/or special projects directly related to department functions and strategic goals of the company and is a subject matter expert on loan product servicing escalations. * The Director improves the overall customer experience, manages risk, and assures the department is in compliance with all bank policies and procedures, as well as all applicable state and federal banking regulations within the context of their responsibilities. * Administrative reporting, efficiency reviews, and internal cross training of staff. Establishes and enforces department/group strategy, standards, policies and procedures. Documents/maintains department procedures and drives continued process improvements. * Functions as a subject matter expert on all loan products while leading process improvement projects to increase operational efficiency, improve the client experience, and manage risk. Remains current on loan operations concepts, practices, and procedures to ensure both technical and functional expertise can be provided for system utilization and problem resolution. * Communicates directly with customers regarding Loan Operations matters; assist customers with inquiries or problems; research and correct errors caused by bank or customers; research records and make replacement copies for customers (such as statements, letters). Reviews various suspense and house accounts, ensuring they are balanced and items are cleared in a timely manner. Coordinate overall communication, implementation, follow-up and project timeline for all major Loan Operations initiatives as directed by leadership. Handle and resolve internal and external customer problems and complaints with the highest quality of customer service. * Directly manages Loan Operations employees in accordance with the organization's policies and applicable laws; responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance, rewarding and disciplining employees; addressing complaints and resolving problems. Coach, motivate and develop employees periodically and provide on-the-spot recognition where applicable. Complete annual performance reviews. Develop a career progression plan for employees. * Monitors and coordinates vendor processing related Loan Operations. Ensures that KPI standards are met. Ensures department is compliant with SOX reporting. Coordinate, lead and implement projects. Presents objectives, alternatives and cost/benefit analysis. * Responsible for maintaining the department's annual budget process, including but not limited to monitoring and enforcing budget parameters. Provide monthly Management reports. * If designated as the Business Unit Compliance Officer (BUCO)- the following duties will apply: * Responsible for business unit compliance oversight as the "Business Unit Compliance Officer" (BUCO) with dotted line reporting to the Compliance Division Director. The BUCO is responsible for engaging in activities that contribute to the day-to-day compliance oversight of the business unit and any related third-party vendor relationships in alignment with the Compliance Management System Policy, Bank Secrecy Act Policy, and BUCO Program. The BUCO demonstrates and applies business acumen to promote a culture of compliance and the identification, escalation, and timely mitigation of compliance risks. This role exercises judgment and influence, and may constructively challenge business unit management to support compliance objectives, balancing business strategy with appropriate controls. If designated as the Business Unit Compliance Officer (BUCO) - the following duties will apply: * Responsible for business unit compliance oversight as the "Business Unit Compliance Officer" (BUCO) with dotted line reporting to the Compliance Division Director. The BUCO is responsible for engaging in activities that contribute to the day-to-day compliance oversight of the business unit and any related third-party vendor relationships in alignment with the Compliance Management System Policy, Bank Secrecy Act Policy, and BUCO Program. The BUCO demonstrates and applies business acumen to promote a culture of compliance and the identification, escalation, and timely mitigation of compliance risks. This role exercises judgment and influence, and may constructively challenge business unit management to support compliance objectives, balancing business strategy with appropriate controls. The BUCO is accountable for implementing the Compliance Management System Policy and Bank Secrecy Act Policy, including but not limited to the following activities: * Facilitating the Compliance Risk Assessment process by identifying, assessing, and managing regulatory compliance risks within the business unit. * Knowing and understanding all state and federal compliance laws, rules, and regulations ("laws and regulations") applicable to the business unit, and how such laws and regulations impact or affect the business unit. * Keeping abreast of changes to the laws and regulations, as tracked and disseminated on the Regulatory Tracking Log, and implanting regulatory change within the business unit. * Attending all management meetings to keep appraised of developments within the business unit that may impact the compliance function. * Actively participating in and advising on key business decisions within the business unit, including new or changes to existing products, services, processes, projects, and vendors. * Ensuring that the business unit has sufficient resources to adequately manage compliance risks. * Reviewing, drafting, and/or updating business unit policies, procedures, processes, guidelines, and controls to ensure that regulatory requirements are sufficiently addressed and that day-to-day activities operate in a compliant manner. * Identifying compliance training needs, providing subject matter expertise to support the development of training curriculum, and conducting or coordinating compliance training for the business unit, in addition to and in support of the Compliance Training Program. * Conducting and/or facilitating transactional and non-transactional monitoring and testing to assess the business unit's compliance with all applicable laws and regulations, in support of the Compliance Monitoring Program. * Escalating compliance concerns to the Corporate Compliance Department for inclusion on the Issues Tracking Log, and ensuring that any corrective action is taken as necessary and appropriate to address compliance concerns. * Supporting the Customer Complaint Program by ensuring that the business unit employees understand and fulfill their responsibilities for reporting and addressing customer complaints. * Facilitating regulatory audits and examinations. * Completing other compliance related projects and tasks as requested to support the Bank's Compliance Management System Policy and Bank Secrecy Act Policy. Minimum Qualifications: Education: * Bachelor's Degree from an accredited 4-year university in Business Administration or related field required. Experience: * 7+ years of experience in Consumer, Commercial, Dealer, and Residential Mortgage required. * 4+ years in Management role or 1+ years in a Directorial role required. * 1+ years of Project Management and/or General Ledger experience preferred. * 2+ years of Vendor Management experience and knowledge of bank regulations and practices within Loan Operations preferred. Physical Requirements & Working Conditions: * Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. * Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. * Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. * Must be able to read and understand bank-related documents. * Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

Specialist I, II, III: This position prepares business purpose loan documents within LaserPro in accordance with established bank guidelines while ensuring the highest level of accuracy & quality in a timely manner. These internally prepared loan documents involve collateral and commercial loans for the branches, business banking and commercial lending units which involve perfecting the bank's lien position, utilizing established bank systems, and capturing all pertinent information into the loan documents. Senior Specialist: Under the direction of the Department Manager and/or Documentation Administrator, this position prepares documents for complex commercial and commercial real estate loans for commercial lending units of the bank in accordance with established bank guidelines while ensuring the highest level of accuracy is achieved in a timely manner. Complex commercial and commercial real estate loans are defined as loans which contain a large number of complex loan documents. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a "Voyaging Spirit" and being "Positively Ohana". Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Primary Accountabilities: Specialist I, II, III: * Prepare and/or facilitate preparation of documents in a timely and accurate manner for Consumer Personal and Collateral and simple Commercial Loans. Proactively work with the relationship officer to identify requirements related to the documentation request, including anything that may preclude loan closing, and agree on appropriate resolution to ensure quick response for the customer. Proactively involves the Senior Specialist and/or Documentation Administrator as well as the lending unit leader, relationship officer and/or credit administrator, or others as appropriate to resolve any documentation issues. Demonstrates good knowledge of the bank's credit policies and documentation standards. * Ensures that documentation file is organized based on the bank's standards and any exceptions are approved by an appropriate authority and added to the tickler for follow-up by the lending unit. Proactively works with the relationship officer to resolve any post-documentation follow-up items. * Prepares instructions on disbursing loan proceeds in accordance with the terms set forth in the Credit Approval Document and/or lending unit's instructions. Coordinates the completion of transactions with Community Banking Branches as well as Community Banking Sales Support. Senior Specialist: * Prepare and/or facilitate preparation of documents in a timely and accurate manner as set forth in the Credit Approval Document (CAM, Modification Agreement, Consumer Credit, etc.). Proactively work with the relationship officer to identify requirements related to the documentation request, including anything that may preclude loan closing, and agree on appropriate resolution to ensure quick response for the customer. Proactively Involves the Documentation Administrator and/or Department Manager, as well as the lending unit leader, in-house counsel, relationship officer and/or credit administrator or others as appropriate to resolve any documentation issues. Demonstrates exceptional knowledge of the bank's credit policies and documentation standards. * Ensures that documentation file is organized based on the bank's standards and any exceptions are approved by an appropriate authority and added to the tickler for follow-up by the lending unit. Proactively works with the relationship officer to resolve any post-documentation follow-up items. Demonstrates a positive attitude, a team player and provides exceptional service to both internal and external customers. * Prepares instructions on disbursing loan proceeds in accordance with the terms set forth in the Credit Approval Document and/or lending unit's instructions. Coordinates the ordering and completion of transactions with outside vendors (attorneys, title and escrow companies, etc.). In addition, ensure all necessary loan documents are scanned into Info/Access for booking in a timely manner. * Develop and prepares training for Documentation Specialists I, II and III, and other areas of the Bank on the process and procedures of the Documentation Center. Minimum Qualifications: Education: * H.S. Diploma or GED equivalency required. Experience: Specialist I: * 1+ years of experience in commercial real estate documentation and reading legal documents required. Specialist II: * 2+ years of experience in commercial real estate documentation and reading legal documents required. Specialist III: * 3+ years of experience in commercial real estate documentation and reading legal documents required. Senior Specialist: * 4+ years of work experience using automated documentation preparation systems required. Physical Requirements & Working Conditions: * Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. * Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. * Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. * Must be able to read and understand bank-related documents. * Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

Engaged. Energetic. Enthusiastic. These are just a few words that describe Central Pacific Bank's Tellers. Tellers at Central Pacific Bank believe customer service begins with exceeding (not simply meeting) customer expectations. You are the face of our company to many customers and non-customers alike. Processing routine financial transactions (deposits, withdrawals, advances, loan payments, merchant transactions, etc.) and giving a warm welcome to everyone who comes into the branch are key performances of your position. Helping customers meet their financial goals by information them of products and services to meet their individual needs is your passion. We're looking for people, like you, who want more than just a job - people who want to make a difference in the communities where we live and work. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a “Voyaging Spirit” and being “Positively Ohana”. Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Cash Handling & Customer Service Provides an Exceptional Customer Experience Delivers personalized customer service and consistently look for ways to “WOW” customers Tackles a variety of financial transactions ranging from check cashing & cash deposits to loan payments to counting currency and coin accurately. Maintains accurate records of each customer in accordance with the bank's policies and procedures Answers customer questions with a can-do attitude, no matter how complex or technical Complies with all security procedures and bank regulations that apply to your position Maintains working knowledge of our policies and procedures that apply to your position. Safeguards assigned, branch and customer cash according to Security Procedures Deposit Product Referrals Holds financial conversations to determine needs and refer appropriate solutions Identifies referral opportunities to maintain relationships and adds value for all customers Actively cross sells bank products and services Participates in branch or bank wide campaigns Maintains and submits customer referrals and reports as required Works as a team to meet and exceed individual and team goals Minimum Qualifications: Education: High School Diploma or equivalent required. Teller I Requirements: 6 months or more of experience in cash handling and customer service. Teller II Requirements: 1+ year(s) of experience in cash handling and customer service. 1+ year(s) of experience in a Financial Institution and/or Teller experience. Physical Requirements & Working Conditions: Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. Must be able to read and understand bank-related documents. Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

Responsible for managing relationships and generating new mortgage loans from Realtors, referral partners, prospective homebuyers and borrowers. Responsible for managing and overseeing a team of HomeLoan Consultants. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a "Voyaging Spirit" and being "Positively Ohana". Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Primary Accountabilities: Direct Sales and Relationship Management * Individually originate and close a minimum of $1,000,000 per month in residential mortgage loans. Interview applicants to determine their ability to qualify for a mortgage loan. Analyze the applicant's financial situation in order to qualify them for the correct loan amount and mortgage program that fits their individual needs. * Represent Home Loans Division in managing relationships with clients of Home Loans Division including its borrowers who apply for mortgage loans and Realtors, developers and other referral partners who are in a position to refer current or future borrowers to Home Loans Division for mortgage financing opportunities. Sales Team Management * Provide timely support to all team members in the form of loan training, loan analysis, business development, and loan troubleshooting to ensure regulatory compliance as well as compliance with policies and procedures. * Assist in the recruiting and managing of new team members as positions open or as their team merits expansion. * Input customer information into the loan origination system and all other systems (i.e. automated underwriting, contact management, etc.) as deemed necessary. * Make recommendations regarding credit decisions on residential mortgages to the underwriting representatives of Home Loans Division or of various wholesale funding sources. * Knowledge of and compliance with the state and federal laws, rules, and regulations, and the bank's policies and procedures, affecting the employee's job duties and responsibilities that pertains to the Home Loans Division. Minimum Qualifications: Education: * High School Diploma or GED equivalency required. Experience: * 6+ years of direct sales experience within the mortgage industry required. * 5+ years of Supervisory or 3+ years management experience required. License/Certification: * Registration with the Nationwide Mortgage Licensing System & Registry (NMLS) is required prior to performing any duties of a Mortgage Loan Originator (MLO) required upon hire. Physical Requirements & Working Conditions: * Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. * Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. * Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. * Must be able to read and understand bank-related documents. * Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

Responsible for supporting the Bank's Funding, Liquidity and Treasury Operations. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a "Voyaging Spirit" and being "Positively Ohana". Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Primary Accountabilities: Funding & Liquidity Management Manage the Bank's overnight and wholesale funding position to ensure sufficient funds to meet short and long term obligations while optimizing expense. * Develop and implement the Bank's liquidity management strategies and funding plans to manage risk and optimize financial results. * Monitor and maintain the daily cash flow and liquidity position. * Provide reports detailing current funding position and liquidity levels, expected funding needs and sources/uses of cash. * Prepares the cash flow analysis and models to analyze and stress test the Bank's liquidity levels. * Provide specialized deposit pricing support for various internal clients and manages the deposit management process. * Manage the Bank's external relationship with banks and other financial institutions. * Maintain policies and procedures for liquidity management. * Ensure compliance with all internal and external requirements. Treasury Operations Lead Treasury Funding and Liquidity team in areas of investment portfolio accounting, derivatives operations, Bank Owned Life Insurance (BOLI), and foreign exchange (FX) operations. * Responsible for overseeing the accounting and financial reporting related to the Bank's investment portfolio, collaborating with the Investment Manager to optimize investment strategies * Oversees the derivatives operations for the Bank, managing the settlement of derivative transactions, including trade processing, daily collateral management, and reconciliation. * Manages the Bank's BOLI portfolio operations including the accounting and reporting of the portfolio. * Manage the Bank's FX operations, developing and implementing strategies to increase revenues, while mitigating risk. * Responsible for satisfactory examinations/audits of Treasury operations, ensuring policies, procedures and internal controls are current and that all operations are in compliance. Collateral Management Effective management of the loan and securities collateral to maximize the Bank's borrowing capacity at the Federal Home Loan Bank, Federal Reserve Bank and government entities. * Ensure sufficient collateral is pledged to cover all funding agreements and certificates of deposits. * Coordinate with Investment Manager and other appropriate parties to ensure that collateral management is in compliance with the Bank's internal policies and regulations. Continuous Improvement * Maintain a strong focus on process efficiency and automation. * Evaluates and recommends strategies to improve efficiency through increased revenue and/or decreased expense. Minimum Qualifications: Education: * Bachelor's Degree in Finance, Accounting, or Quantitative Field required. * Master's Degree in Business Administration or Advanced Degree preferred. Experience: * 6+ years of experience in the financial industry in the area of treasury or financial analysis required. * 5+ years of Supervisory, or 5+ years management of staff required. Physical Requirements & Working Conditions: * Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. * Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. * Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. * Must be able to read and understand bank-related documents. * Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

Assists CRELD loan officers with structuring, underwriting, and servicing of small to large size real estate loans to ensure the loans meet the Bank's quality targets, lending policies, and underwriting guidelines. Progressively handles more complex loans at more senior underwriter levels. Supports and assists with the lending team efforts and initiatives to generating new commercial mortgage, construction, and commercial loans and proactively managing customer relationships to meet loan runoff projections and deposit targets. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a "Voyaging Spirit" and being "Positively Ohana". Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Primary Accountabilities: Production Activities: * Actively support the Team Leader and Loan Officer to review new loan requests from existing and prospective CRELD borrowers by providing underwriting support. * Provide support for Loan Officers efforts to generate new commercial mortgages and construction loans to meet annual production goals and objectives. Assist Loan Officers to proactively address upcoming loan requests. * Review and analyze the borrower's financial information and financial condition, order appraisal reports, order environmental reports, prepare guarantor global cash flows, and access other internal and external sources of information. * Recommend appropriate loan structures to meet the needs of both the customer and the Bank and assist in resolving any issues. * Prepare Credit Approval Memorandums with clear, concise, and timely loan request presentations reviewing the strengths, weaknesses and potential risks of the credit to document the underwriting decision and supporting rationale to ensure the loan meets the Bank's loan quality targets, lending policies, and lending guidelines. * Review tickler inputs, and coordinate with the Documentation Specialists on items needed to be sent to Documentation Center for booking. * For loan draw requests, review construction loan draws and inspection reports and review line draws for approval and any applicable collateral releases. * Actively participate in Bank-sponsored community events. * In the absence of the Loan Officer, manage the Loan Officer's responsibilities along with a Team Leader/Loan Officer in the Lending Team. Portfolio Management: * Assist the Team Leader and Loan Officer with portfolio management responsibilities to meet the Bank's objectives of maintaining a high quality commercial mortgage and construction loan portfolio and to minimize exceptions and maximize compliance. * Proactively manage customer relationships to meet commercial mortgage and construction loan runoff projections and CRELD deposit goals and objectives. * Prepare Modification Memorandums, Term Loan Reviews, Asset Quality Reports, and Compliance and Risk Rating Validations for the assigned Lending Team loan portfolio. * Proactively contact borrowers and guarantors with the Team Leader/Loan Officer for updated financial information prior to due dates to ensure timely submissions. Arrange to import the financial information into nCino and Info Access on a timely basis. * Assists Loan Officers with management of assigned loan portfolios to minimize exceptions and maximize compliance. * Verify the accuracy of tickler items in nCino and Info Access with the Credit Approval Memorandums, Modification Memorandums, Compliance and Risk Rating Validation (CRRV), and Loan Agreements. Prepare waivers and extension memorandums for tickler items prior to tickler due dates. * Review and analyze financial statements and tax returns upon receipt from the customer on a timely basis and input financial statements into the Bank's financial statement spreading program as applicable. * Assist to proactively manage and diligently monitor CRELD loan delinquencies and maturing loans in the Lending Team's loan portfolio and take appropriate actions as required. * Provide updates and timely comments for CRELD loan portfolio review reports for credit discussions with Credit Administration. * Reviews commitment letters and loan documents as necessary in the management of the portfolio. * Review and prepare Memorandums for EDR collateral screen follow-up actions as required. * Prepare covenant compliance tracking reports to track loan compliance. * Complete the Criticized Asset Check List requirements for loans downgraded to 7 or worse. * Provide updates and comments for the Portfolio Review Reports and prepare portfolio management reports as assigned. * Support the Team Leader, Loan Officer, and overall CRELD goal of maintaining 60+ days past due ticklers below 10%. * Contribute to and support CRELD achieving satisfactory annual audit ratings and FDIC examination reviews. Minimum Qualifications: Education: * High School Diploma or GED equivalency required. Experience: * 4+ years of experience in commercial real estate, commercial lending, banking, financial services or equivalent work experience required. (Bachelor's and/or relevant internships can be substituted for 2 years of required experience.) Physical Requirements & Working Conditions: * Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. * Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. * Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. * Must be able to read and understand bank-related documents. * Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

The Deposit & Cash Management Officer will be responsible for managing, retaining and growing a portfolio of high-valued Commercial Market clients with deposit accounts/ relationships. With an emphasis on new core deposit acquisition, generate new business relationships for the bank. Assist with development of product collateral and documentation. Provide technical support and assist with maintenance of products and services sold. Assist with client product training. Integrate all core functions with other Commercial Markets to generate new business relationships for the bank. For Deposit & Cash Management Officer I - III, you will be responsible for supporting cash management product and service sales calls with product demonstrations and presentations. For Senior Deposit & Cash Management Officer, you will support merchant and cash management products and services sales calls with product demonstrations and presentations. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a "Voyaging Spirit" and being "Positively Ohana". Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Primary Accountabilities: Portfolio Growth: Deposit & Cash Management Officer I-Senior: * Generate new business through an organized and targeted calling program. * Develop and maintain a business referral and information network consisting of trusted professional contacts for advice, counsel and new referrals. Work with * Commercial and Corporate Markets and other areas of the bank to identify clients and prospects appropriate for the Deposit Team. Responsible to attain and/or exceed sales (productions and portfolio growth) goals, as it pertains to both new and existing business clients utilizing effective sales techniques and negotiating skills. Deposit & Cash Management Officer I-III: * Lead with deposits. * Work closely with clients and prospects to identify opportunities to grow deposits with safe and profitable solutions. * Continually works to move these customers into a portfolio by increasing its profitability. * Possess an understanding and ability to identify loan opportunities and introduce lenders. Senior Deposit & Cash Management Officer: * Lead with Merchant Services. * Work closely with clients and prospects to identify opportunities to grow merchant services with safe and profitable solutions Cash Management Product and Service Support: * Provide technical business product and service support. * Responsible for business product and service maintenance and incident resolution. * Assist in the development and maintenance of effective client relationships with Line officers (Commercial, Business, and Community Banking). * Assist in Product Development and Evaluation: * Assist in evaluation of product line and implementation of enhancements/changes. * Assist in development of procedures for business products and services. Referrals/Fee Income Opportunities: * Generate new business in other areas of the bank through an effective relationship management process, which includes active profiling and appropriate cross-selling, introductions and referring. * Develop new sources of fee income and increase overall profitability of book of business. Relationship Management: Deposit & Cash Management Officer I-Senior: * Establish, retain and grow business customer relationships by providing exceptional customer service. * Uses understanding of the needs of businesses to market or coordinate sale of the appropriate product or service that the bank can deliver. * Responsible for, through effective profiling, finding solutions for the company's financial needs. Responsible for expanding business client relationships by anticipating and identifying the needs of the business client and meeting these needs through the sale of additional products and services, directly or through referrals to appropriate departments (appropriately cross-sell); making appropriate networking introductions; being responsive and providing solutions. * Responsible for maintaining and managing customer information database and financial profiles of customers within the portfolio to assist selling efforts and provide management reports that develop customer leads and marketing programs. Deposit & Cash Management Officer I-III: * Provide the highest standards of account maintenance and servicing of assigned portfolio of deposit accounts through regular contact and communication with customers and a commitment to the delivery of quality service. Senior Deposit & Cash Management Officer: * Provide the highest standards of account maintenance and servicing of assigned portfolio of merchant accounts through regular contact and communication with customers and a commitment to the delivery of quality service. Product Demonstrations and Presentations: * Joint sales calls with Line Units to provide product demonstrations and presentations. * Liaison between Line Units and Customers. Act as business product and services liaison between Line Units and their customers. Relationship Banking: * Leads the team to achieve the department's "customer-centric" cross-referral goals. * Adheres to the Bank's service standards. Service Quality: * Monitor quality of service levels for clients that use business products and services. * Identify and resolve a variety of customer problems and inquiries by determining the cause and origin of systems errors/problems. Maintain high standard of customer service by responding promptly and accurately to client requests/inquiries. Minimum Qualifications: Education: * Bachelor's Degree from accredited 4-year university, preferably in a related field required. Experience: Deposit & Cash Management Officer I: * 1+ years of experience in sales of deposit and cash management products and services required. * 1+ years of experience in portfolio and revenue management required. * 4+ years of experience in sales in any commercial business product required. * 1+ years of experience in administrative support in a related area required. Deposit & Cash Management Officer II: * 1+ years of experience in sales of deposit and cash management products and services required. * 1+ years of experience in portfolio and revenue management required. * 5+ years of experience in sales in any commercial business product required. * 1+ years of experience in administrative support in a related area required. Deposit & Cash Management Officer III: * 2+ years of experience in sales of deposit and cash management products and services required. * 2+ years of experience in portfolio and revenue management required. * 6+ years of experience in sales in any commercial business product required. * 1+ years of experience in administrative support in a related area required. Senior Deposit & Cash Management Officer: * 3+ years of experience in sales of deposit and cash management products and services required. * 3+ years of experience in portfolio and revenue management required. * 6+ years of experience in sales in any commercial business product required. * 1+ years of experience in administrative support in a related area required. * 2+ years of experience as team leader required. Physical Requirements & Working Conditions: * Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. * Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. * Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. * Must be able to read and understand bank-related documents. * Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

Book consumer, collateral, dealer, HELOC, small business, commercial and residential mortgage loans. Maintain accounts, reconciling the G/L, etc. Booking complexity increases by Specialist level. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a "Voyaging Spirit" and being "Positively Ohana". Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Primary Accountabilities: * Book all consumer, collateral, dealer, HELOC, small business, commercial and residential mortgage loans, modifications, renewals and draw request onto the FISERV system. This includes an ability to interpret loan information from various forms, including loan recommendations, consumer loan approval form, and residential mortgage documents. * Monitors, updates and maintains tickler reports on FISERV. * Process HELC teaser rates and CD rate changes. * Enter on-line file maintenance (i.e. grade changes, officer changes, rate changes, memos and ticklers) on FISERV. * Reconcile various GL accounts used for clearing booking entries. * Updates and maintains UCC filings. Prepare UCC continuations. * Re-amortize, send letters and update payment schedules for MCM/BBR rates and SBA loans. Minimum Qualifications: Education: Specialist I/II: * H.S. Diploma or GED equivalency required. Experience: Specialist I: * 1+ years of experience in loan booking/processing experience required. Specialist II: * 2+ years of experience in loan booking/processing experience required. Physical Requirements & Working Conditions: * Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. * Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. * Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. * Must be able to read and understand bank-related documents. * Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

The Revenue and Debit Card Manager is responsible for all matters pertaining to the end-to-end process for consumer and small business deposit products and related fees. Develops strategies to increase fee revenue by conducting market assessments (external and internal) to improve profitability, procedural/ operational efficiencies or risk mitigation. Establishes and maintains relationships with various departments and outside vendors in an effort to develop/implement new fees and improve fee revenue from existing fee income sources. Fees managed include but are not limited to fee revenue associated with small business deposits, consumer deposits, investments, Trust and miscellaneous fees and services (ex: Safe Deposit Box and wires). Manages the strategic development and operational functionality of the Bank's Debit and ATM card portfolio in alignment with the Bank's corporate objectives. Manages the systems and operational vendors involved in the card driver platform, card delivery, and the integrity of data transmission and security. Maintains industry intelligence in card technology and consumer trends, and identifies applications to enhance the Bank's corporate objectives. Promotes customer usage of and migration to debit card channels. Responsible for increasing the penetration, activation, and utilization of cards under management. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a “Voyaging Spirit” and being “Positively Ohana”. Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Primary Accountabilities: Fee Revenue Manage the overall fee and product portfolios to ensure that our fee strategy, new account growth, attrition, net growth, cross sales, and profitability support the bank's overall balance sheet and income statement goals. Responsible for setting and managing goals for fee revenue, product promotions and sales campaigns. Monitor the competitive environment for fee and product profitability/positioning and be aware of changes in the internal and external environment (customer behavior, competition, technological advances, economic conditions, regulatory changes etc.) that can impact profitability. Be able to quantify opportunity/financial impact after data gathering, research, or other analysis and provide recommendation via a Business Case. Obtain approval and implement fee revenue initiatives, product promotion and sales campaigns. Manage projects to develop and implement new fees and products, enhance or streamline existing fees and products etc. This includes defining business requirements, defining customer communication requirements, and tracking of results. Develop planning sheets for new fees/packages, products, promotions, and campaigns to include budget, cost/benefit analysis and project schedules. Track/report on performance of fee initiatives and campaigns. Report and research budget variances. Debit/ATM Card Management: Manage the overall Consumer and Business Debit/ATM portfolio to identify, model and implement new debit-related fee revenue opportunities to support the bank's overall income statement goals. Responsible for increasing the Bank's key performance metrics for Penetration, Activation, and Utilization by creating strategies and tactics on the debit card platform for consumer and business cards. Design and lead campaigns to migrate customers to debit channels and reduce cash/check reliance. Ensure product tools are effective in supporting the sales team's objectives. Manage contracts and relationships with network, processor and delivery channel vendors. Assist Compliance, Risk and Audit teams on regulatory alignment and remediation. Streamline process and improve efficiency across the card lifecycle. Responsible for reporting and communicating performance against goals. Relationship Management: Maintain relationships with sales teams, the front line, and support areas to achieve fee revenue and debit card goals. Negotiate, execute and manage customer, vendor, and third-party vendor agreements. Work with Training to disseminate Product Knowledge & Sales Tools well in advance of fee/debit card strategy launch/changes. Strategic Initiatives: Assist Department Manager in developing, plans, and implements various strategic initiatives identified by Executive Committee as priority initiatives for the year. Utilize various project management skills as he/she will be working many business units across the bank as these initiatives are implemented. Minimum Qualifications: Education: Bachelor's Degree from an accredited 4-year university, preferably in Finance/Accounting, Business, or Management required. Experience: 6+ years of experience in Finance or Accounting required. 3+ years of experience in banking required. 3+ years of management experience, or 5+ years supervisory experience required. Physical Requirements & Working Conditions: Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. Must be able to read and understand bank-related documents. Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

Works with assigned areas (commercial and retail) to quickly and accurately evaluate loan requests from existing and prospective clients to make sound credit decisions. Works closely with Line of Business Managers and Relationship Officers by getting involved early in the due diligence process to help identify key issues and to ensure that loans are made in accordance with bank credit policies and regulatory requirements. Proactively organizes and/or conducts training sessions to develop and refine the credit skills of the Relationship Officers and Underwriters and will also be responsible for updating assigned credit policies, procedures, and projects. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a "Voyaging Spirit" and being "Positively Ohana". Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Primary Accountabilities: Approve or recommend action on loan requests ensuring that each transaction meets regulatory requirements, bank credit policies, underwriting standards and portfolio/concentration objectives. * Ensure that underwriting is fair and balanced, accurately frames risk issues, and properly justifies decision and grade. * Make appropriate structuring and approval decisions. * Ensure that regulatory, concentration, and loan coding issues are addressed. * Responsible portfolios could range from small to moderate sized commercial loans, investor (income-producing) and owner-occupied commercial real estate loans, as well as small business, consumer, home equity or residential mortgage loans. * Conversant with and remains current with regulatory guidance and internal policies related to credit and lending as well as relevant market and industry trends. Portfolio management * Conduct portfolio reviews of assigned loan portfolio(s) to proactively identify deteriorating credit characteristics or a market event that could jeopardize repayment of a loan. * Work closely with Line of Business to ensure that loans are properly graded and supported at all times. * Review Asset Quality Reports and ensure that a clear and concise strategy is in place to manage problem credits. Provides direction on smaller problem loan workouts. * Work closely with the Line of Business Managers to minimize documentation and compliance exceptions. * Proactively address changes in industry and/or market conditions through transparent and meaningful discussions with the Line of Business Managers and Relationship Officers. * Work with Line of Business Managers, Relationship Officers and Underwriters, and clients or prospective clients to ensure proper initial due diligence of loan proposals. * Lead or get involved with various division projects including credit policies, processes, procedures, underwriting guidelines, software, etc. * Develop credit underwriting and structuring skills for Line of Business Managers, Relationship Officers and Underwriters by facilitating periodic formal and informal training sessions. Provides ongoing mentoring for Relationship Officers and Underwriters during credit discussions. Minimum Qualifications: Education: Credit Administrator I: * High School Diploma required. * Bachelor's Degree from an accredited 4 year university with an emphasis in business administration preferred. Credit Administrator II: * Bachelor's Degree from an accredited 4 year university with an emphasis in business administration required. Credit Administrator III: * Bachelor's Degree from an accredited 4 year university with an emphasis in business administration required. Senior Credit Administrator : * Bachelor's Degree from an accredited 4 year university with an emphasis in business administration required. Experience: Credit Administrator I: * 6+ years of experience in commercial lending (C&I or CRE) including underwriting and approval, with at least 2 years in business banking, commercial banking or commercial real estate loan production required. Credit Administrator II: * 5+ years of experience in commercial lending (C&I or CRE) including underwriting and approval, with at least 2 years in business banking, commercial banking or commercial real estate loan production required. Credit Administrator III: * 7+ years of experience in commercial lending (C&I or CRE) including underwriting and approval, with at least 2 years in business banking, commercial banking or commercial real estate loan production required. * 4+ years of Management experience required. Senior Credit Administrator: * 8+ years of experience in commercial lending (C&I or CRE) including underwriting and approval, with at least 2 years in business banking, commercial banking or commercial real estate loan production required. * 5+ years of Management experience required. Physical Requirements & Working Conditions: * Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. * Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. * Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. * Must be able to read and understand bank-related documents. * Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

Provides clerical and sales support to the Wealth Advisor(s). Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a "Voyaging Spirit" and being "Positively Ohana". Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Primary Accountabilities: * Job Specific Duties * Wealth Advisor Support: Responsible for opening new accounts, performing account transfers, assisting Wealth Advisor(s) with office files, following up on account numbers, incoming transfers, verifying monetary transactions, placing orders, and other items that increase production. * Customer Support: Attend to incoming calls. Responsible for assisting customers with various servicing requests, such as withdrawals, account maintenance, address changes, researching customer inquiries, etc. * Team Focused Leadership * Participate in Bank sponsored Internal/external events * Participate in Bank sponsored focus groups, initiatives, campaigns * Relationship Banking/Relationship * Provide analytical, logistical, and clerical support for sales and special projects, including sales campaigns, investment seminars, trade shows and other activities to promote sales opportunities, with efficiency and cost-effectiveness for Investment Services and business partners * Maintain internal service standards * Risk Management/Compliance * Responsible for following internal procedures to achieve satisfactory internal, LPL, FDIC audits * Comply in a timely manner with all compliance requests * Adhere to Bank policies and procedures * Personal/Professional Development * Attend required and elective training and workshops * Participate in professional group/organization Minimum Qualifications: Education: * H.S. Diploma or GED equivalency required. Experience: Client Service Associate I: * 3+ years of experience in retail financial sales and servicing (Bachelor's degree may substitute for 2 years of experience) required. Client Service Associate II: * 4+ years of experience in retail financial sales and servicing (Bachelor's degree may substitute for 2 years of experience) required. * 1+ years of experience in retail brokerage/RIA required. Registered Client Services Associate: * 4+ years of experience in retail financial sales and servicing (Bachelor's degree may substitute for 2 years of experience) required. License/Certification: Client Service Associate II: * FINRA and insurance licenses will be required if performing any trading transactions. Registered Client Services Associate: * Series 7 and 66 license required. * Life and Health Insurance license required. Physical Requirements & Working Conditions: * Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. * Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. * Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. * Must be able to read and understand bank-related documents. * Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

Manage and grow a portfolio of high valued client relationships of loans and deposits accounts that meet established lending and operational policies and provides maximum profitability with minimum risk to the Bank. Performs all duties and interacts with internal and external customers in a manner aligned with the Company's Core Values of Voyaging Spirit and Positively Ohana; Customer Experience Competencies of Customer Interaction, Empowerment and Ownership; and Basic Skills of Listening, Oral Communication, Written Communication, Action Orientated, Thoroughness, Problem Solving. Primary Accountabilities: Production Activities: Actively support the CRELD Team Leader's marketing efforts to generate new loan production, deposits, fee income and referrals to other business units. Generate new commercial mortgages and construction loans to meet annual production goals and objectives. Originate new commercial mortgage loans and construction loans, deposits, and fee income from new and existing sources of business. Conduct face to face meetings with high quality loan and deposit customers and prepare detailed call reports for customer contacts. Preliminary Review: Evaluate the borrowers and guarantors, prepare market research, discuss loan with Credit Administrator, prepare term sheets, review appraisal and environmental reports, review guarantor credit reports, review EDR screens and prepare environmental assessment questionnaires. Credit Approval Memorandum Preparation: Prepare CAM write-ups / review CAM write-ups by underwriters with clear, concise and timely loan request presentations that meet the Bank's quality targets, lending policies, and guidelines and assess the credit strengths, weaknesses, and potential risks. Loan Documentation: Review commitments letters, review title searches, review borrower documents, order and review loan documents, and review and sign-off on documentation checklist. Loan Draws: Review construction loan draws and inspection reports, review line draws, obtain disbursement approvals, and approve collateral releases. Participate in commercial real estate business organizations and attend meetings and functions. Actively participate in Bank-sponsored community events. Portfolio Management: Actively assist the Team Leader to manage the Lending Team's existing portfolio of commercial mortgage loans, construction loans, and business deposits. Proactively manage customer relationships to meet commercial mortgage and construction loan runoff projections and CRELD deposit goals and objectives. Ensure assigned portfolio of loans is in compliance with the Bank's credit policies and procedures. Keep abreast of trends and developments that may impact the quality of the assigned loan portfolio. Manage loan delinquents and maturing loans to ensure no administrative delinquencies of matured loans. Diligently monitore assigned loan portfolio to ensure risk-rating assessments are accurate with timely re-grades as appropriate. Prepare and review Term Loan Reviews/Compliance and Risk Rating Validations to insure completeness and all issues addressed. Prepare and review Asset Quality Reviews to insure completeness and all issues addressed. Prepare and review Modification Memorandums to insure completeness and all issues addressed. Review annual property inspections and conduct follow-up actions as required. Review annual EDR collateral screens and conduct follow up actions as required. Monitor daily overdrafts for assigned customers. Complete checklist folders for loan downgrades to 7 or worse. Prepare portfolio management reports as assigned and provide updates for credits managed. Contribute to managing the Lending Team ticklers to CRELD standards. Contribute to CRELD achieving satisfactory annual audit rating and FDIC examination reviews. People Management: Assist the Team Leader to provide management guidance and mentoring to the Lending Team staff members. Assist in the management of work assignments and workflows. Assist in mentoring team staff development and advancement and insure alignment with personal development goals. Assist in raising skill levels and core competencies of staff members. In the absence of the team leader, manage the team leader's responsibilities. Minimum Qualifications: Education: H.S. Diploma required Bachelor's degree in business administration or related field preferred Experience: 6+ years in commercial real estate lending / commercial lending and relationship management, or equivalent work experience required Physical Requirements & Working Conditions: * Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. * Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. * Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. * Must be able to read and understand bank-related documents. * Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

Job Description Assist and support in managing and growing a portfolio of high-valued clients in loan and deposit accounts/relationships that meet with established lending and operational policies and provide maximum profitability to the Bank with minimum risk. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a “Voyaging Spirit” and being “Positively Ohana”. Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Special Program Structure: This position includes a structured career development program. Stage Location Duration Key Focus Stage 1 - CPB Training Honolulu, Hawaii Minimum 6 months (target 6-12 months) Core banking operations, relationship-management fundamentals, and cross-border business support. During this stage CPB will make the final determination on the overseas assignment. Stage 2 - North Pacific Bank Assignment Sapporo, Japan 12 months (Apr 2027 - Mar 2028) Months 1-3: New employee classroom training-Japanese banking principles, compliance, and service culture. Months 4-9: On the job rotation in the International Department-foreign exchange transactions, trade finance, and cross border wires. Months 10-12: Main Branch customer service placement-teller & lobby work, product consulting, and local market engagement. Primary Accountabilities: Relationship Management: Assist team to maintain, expand, grow and service commercial and private banking clients. Respond to inquiries from new clientele. Assist with depository servicing and loan requests from initiation to closing, including: Account opening Wire transfers Monitoring of overdrafts Information gathers Management of portfolios Timely identification of upcoming renewals and follow up Responsible for deposit, loan and related product and services documentation audit. Product Sales to New Customers: Solicit new customers and sells bank products to affect Total Deposit Balance Total Loan Balance Portfolio Fee Income (loan and deposit, wealth management fee income, foreign exchange, client property payment services) Business Group/Community Involvement: Must be an active member of a business association and/or bank-sponsored community group, representing the Bank to prospective customers and increasing mind-share of the Bank. Minimum Qualifications: Education: Bachelor's Degree from an accredited 4-year university in Finance, Economics, or Business Administration required. Experience: 6+ months of experience in Customer-facing roles (banking, hospitality, retail, etc.) preferred. Functional Skills: Proficiency in Japanese language required; ability to read, write, and communicate in a business setting. Physical Requirements & Working Conditions: Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. Must be able to read and understand bank-related documents. Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

Function:

This role is responsible for assisting Food, Beverage & Agribusiness loan officers in the portfolio management activities (generally large and moderately complex loans). Will manage assigned credit portfolio, manage the associated credit risk, and identify opportunities for expansion. Key highlights of the role will include the following: **Duties & Responsibilities** + Partner with loan officers to effectively administer the management of assigned commercial banking relationships. + Perform credit underwriting duties for existing/prospective client relationships, which may include but are not limited to the following: perform detailed credit analysis to determine borrower/guarantor repayment capacity, appropriate loan structuring recommendations, complete credit packages for credit committee approval (new business/reaffirmations) submission. Preparation of underwriting documents will also include collateral analysis on multiple asset classes and preparation of pricing and risk rating models suitable for each credit request. + Continuously monitor borrowing base reports, budget tracking and covenant compliance with regular reporting requirements to loan officers and loan/credit monitoring and credit review. Follow established protocols and maintain tracking of documentation exceptions, past dues, field exams, borrowing base reports and covenant exceptions. + Recognize and manage early warning signs for the portfolio on a recurring basis, which may include but are not limited to the following: analyze borrower/guarantor financial performance upon receipt of reporting requirements, either monthly, quarterly or annually. Fully analyze and confirm borrowing base and financial covenant compliance, analyze payment performance benchmarks and perform regular financial reviews. + Provide recurring customer service to existing and prospective clients, which includes direct contact with customers either through participation in joint sales calls with loan officers or direct correspondence with clients and perform various projects/tasks as needed with an emphasis on maintaining UMB TUCE at all times. + File all required reports and resolve all related issues in a timely and efficient manner. + Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with minimal supervision required + Other duties as assigned. **Knowledge & Skills** MINIMUM: + Demonstrates knowledge of agribusiness and production agriculture industries in the Western US, including fruit & vegetable crops, row crops, tree nuts, citrus, wine, dairy, cattle and agribusinesses supporting these sectors. + Demonstrates excellent communication skills (verbal & written) + Demonstrates strong knowledge and understanding in how to identify and process maturing loans, line renewals, term loans that need to be extended, how loans can be restructured, approval process, change terms, etc. + Demonstrates strong level of understanding of credit underwriting + Demonstrates strong knowledge of bank products, services, and bank operations + Demonstrates ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents + Demonstrates strong analytical skills + Demonstrates ability to be self-starter, show initiative, and transfer knowledge to less experienced peers + Demonstrates strong proficiency in Word, Excel, PowerPoint + Demonstrates knowledge of commercial lending software PREFERRED: + Ability to prospect and network at various levels within a company **Requirements** MINIMUM: + Bachelor's degree in business, Accounting, Finance or related fields + 5 years commercial banking experience including credit underwriting + Current valid driver's license PREFERRED: + 8 years commercial banking experience including credit underwriting **Compensation Range:** $69,920.00 - $149,000.00 _The posted compensation range on this listing represents UMB's standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information._ UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary. **Are you ready to be part of something more?** You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard. _UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _*************************_ _to let us know the nature of your request._ _If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (*********************************************************************************************************************************** _to understand how we collect and use your personal information when you apply for employment with UMB._ **_Who we are_** We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (****************************************************************************************************** Check out the road to a career at UMB

Multiple levels available based on experience. Starting pay is $21 per hour. This position requires travel to various branches as needed and does include location premium and mileage reimbursement. Universal Bankers are able to perform sales, servicing and operational functions in a branch. Assist in managing an assigned portfolio of High Value Clients (HVC) to build and retain customer relationships. Identifies potential customer banking needs and cross-sells other bank products and services; refers customers to specialist as appropriate. Responsible for meeting assigned operational, cross-sale and referral goals. Participates and supports the branch management team with ongoing coaching and development activities. Opens all types of consumer and business deposit and loan products; accepts and closes secured and unsecured consumer loan and personal lines of credit applications. Certified to accept and close home equity lines of credit and loans. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a “Voyaging Spirit” and being “Positively Ohana”. Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Sales/Servicing Accepts secured and unsecured consumer loan and personal lines of credit applications and able to open all types of consumer and business deposit products and related services Profiles customers while opening or servicing deposit accounts to determine needs. Actively participates in customer retention programs to build and retain customer relationships and find opportunities to acquire new relationships. Manages a portfolio of HVC customers to build and retain customer relationships. Analyzes tax returns and financial statements. Participates in branch or bank wide campaigns. Actively cross-sells and refers customers to the appropriate business partners Achieves all individual/branch goals as assigned which may include deposit, loan and portfolio growth goals; revenue & risk management targets. Operational Effectiveness and Service Delivery Manages risk and takes prompt action in event of discovery of any loss or irregularities in the handling of transaction documents, accounts, or company assets. Process various transactions including but not limited to deposits, withdrawals, various payments, cash advances, U.S. Savings Bonds applications/redemptions, check cashing placing stops, cautions & holds, foreign currency exchange with minimal errors; balance teller cash on a daily basis. Purchase and sell cash to/from vault, assist in the replenishment of cash dispensers. Minimum Qualifications: Education: UB I: High School Diploma or equivalent required. UB II: Bachelor's Degree from an accredited university. Relevant work experience may substitute for the degree requirement. UB I Experience Requirements: 1+ year(s) of demonstrated success in sales and customer service. 1+ year(s) of branch operations experience or successful completion of teller and new account certification within 6 months of hire. UB II Experience Requirements: 2+ years of branch/bank operations experience and sales of retail financial products. 1+ year(s) of experience explaining credit products, accepting/closing consumer and business loan applications. Licenses and Certifications: Registration with the Nationwide Mortgage Licensing System & Registry (NMLS) is required prior to performing any duties of a Mortgage Loan Originator (MLO), if applicable. Notary Public commission preferred. Physical Requirements & Working Conditions: Must be able to move and lift items up to 20lbs and perform other light physical work. Must be able to operate standard office equipment, including phone, personal computer, copier, etc. Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. Must be able to read and understand bank-related documents. Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.