ACL & Credit Portfolio Officer

Position Function:

Primarily responsible for leading activities in credit loss forecasting and allowance for credit losses (ACL), analyzing/reporting portfolio performance, monitoring for emerging credit risk, and synthesizing/incorporating market and economic trends. This includes periodically analyzing delinquency, nonaccrual, and charge-off data against current ACL coverage ratios for adequacy determination; assessing changes in loan portfolio risk characteristics; continuously enhancing evaluation metrics for the loan portfolio; and preparing well-supported documentation on risk component calculations and analyses, including performing timely, accurate and robust control testing procedures. Ensuring the accuracy, efficiency, and transparency of credit loss reserves while enhancing data-driven reporting and decision-making.

This role works closely with finance, credit, risk, and technology teams to enhance and streamline reserve methodologies, improve reporting processes, and drive automation initiatives.

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:

• Execute CECL models on a recurring basis, including data preparation, model runs, validation checks, and reconciliation to source systems. Calculate and analyze credit risk reserves across diverse loan portfolios, ensuring alignment with accounting standards. Develop and maintain reserve forecasting models, stress-testing frameworks, and scenario analyses.
• Identify key drivers of reserve changes, trends in portfolio performance, and emerging credit risks.
• Utilize various data tools to perform risk, financial and data analyses including profiling, sampling, forecasting and due diligence.
• Work collaboratively with other team members to create monthly and quarterly loan reporting; identify, investigate, and work to resolve issues relative to integrity of data extracts.
• Continuously enhancing evaluation metrics and reporting tools for the loan portfolio.
• Prepare credit risk management reports/presentations for senior management that include analytics on asset quality, concentration and diversification, expected portfolio performance and areas of potential risk and/or opportunity.
• Assist Management and lending units in identifying, assessing, and mitigating risks.
• Prepare well-supported documentation on forecast methodology and assumption decisions.
• Assists with the review and update of the ACL Committee charter, policies & procedures.
• Ensure that the bank is in compliance with regulatory risk management requirements and directives.
• Performs accurately and timely SOX controls and periodic testing.
• Work closely with Enterprise Risk Management to ensure adherence to all policy requirements.
• Support continuous improvement and other initiatives.

Minimum Qualifications:

Education:

• Bachelor’s Degree from an accredited 4-year university, preferably in Accounting, Finance, Economics, Statistics, Mathematics, or a related field required.

Experience:

• 5+ years of banking experience, with a preference in credit risk, forecasting, accounting, and/or loan portfolio reporting 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.