Portfolio Management Officer - Middle Market

As an Individual Contributor, this role serves as a trusted advisor to relationship teams by providing advanced underwriting support, portfolio oversight, credit expertise, risk management guidance, and client monitoring for complex commercial and corporate banking relationships. The position helps balance growth objectives with prudent portfolio management practices.

•    Complex Credit Advisory: Evaluates complex credit requests, renewals, modifications, annual reviews, and covenant structures while developing informed recommendations and underwriting guidance.

•    Portfolio Risk Oversight: Reviews portfolio performance, borrower financial condition, industry trends, and risk indicators to identify concerns and recommend appropriate actions.

•    Client and Relationship Support: Participates in client discussions and relationship planning activities while helping identify opportunities to strengthen relationships and expand banking solutions.

•    Transaction Structuring Support: Assists relationship teams with evaluating transaction structures, credit terms, covenant frameworks, and risk mitigation strategies.

•    Mentoring and Best Practices: Shares expertise, provides guidance to less experienced portfolio professionals, and promotes consistency in underwriting and portfolio management practices.

•    Performs other responsibilities and duties as assigned.
 

• Bachelor’s degree from accredited institution, preferably with major in business or related area, or equivalent work experience. 
• Level II: Minimum 4 years of experience in commercial lending, underwriting, portfolio management, credit administration, or related banking experience. 
• Working knowledge of conventional and government underwriting guidelines and the ability to effectively utilize automated underwriting systems to support underwriting decision. Proficient with Microsoft Office applications.
• Intermediate knowledge and skill proficiency in analytical thinking, business acumen, commercial lending acumen, credit analysis, cross-functional collaboration, customer experience, financial analysis, laws & regulations, product/service knowledge, relationship management, and risk analysis.
• Demonstrates strong analytical abilities, effective verbal and written communication skills, sound decision-making, organizational effectiveness, and the ability to manage multiple priorities in a dynamic environment.
• Level III: Minimum 6 years of experience in commercial lending, underwriting, portfolio management, credit administration, or related banking experience. 
• Demonstrates knowledge of conventional and government underwriting guidelines and proficiency in automated underwriting systems to analyze and evaluate lending scenarios. Proficient in Microsoft Office applications.
• Advanced knowledge and skill proficiency in commercial lending acumen, financial analysis, relationship management, and risk management.
• Intermediate knowledge and skill proficiency in business acumen, credit management, critical thinking, cross-functional collaboration, customer experience, law & regulations and product/service knowledge.
• Demonstrates strong business acumen, consultative partnership skills, influence, sound judgement, negotiation capabilities, and the ability to evaluate complex financial and credit solutions.
• Senior Level I:  Minimum 8 years of experience in commercial lending, underwriting, portfolio management, credit administration, or related banking experience. 
• Advanced knowledge of conventional and government underwriting guidelines and strong proficiency in automated underwriting systems, including the ability to evaluate complex lending scenarios and exercise independent judgement. Proficient with Microsoft Office applications.
• Advanced knowledge and skill proficiency in business acumen, commercial lending acumen, credit management, cross-functional collaboration, customer experience, financial analysis, laws & regulations, product/service knowledge, relationship management, and risk management.
• Intermediate knowledge and skill proficiency in critical thinking

• Demonstrates expertise in complex credits structuring, negotiation, portfolio oversight, mentoring, strategic relationship management, and balancing growth objectives with prudent risk management practices. 

  As a Bank of Hawaii employee, you ensure (or assist with ensuring) compliance with applicable laws, regulations, regulatory requirements and Bank policies and procedures, including but not limited to those related to Fair Banking, Anti-Money Laundering laws and regulations, Bank Secrecy Act and USA PATRIOT Act. 

  Delivering exceptional customer experiences is at the heart of what we do at Bank of Hawaii.  We listen, understand and deliver what our customers need to help them build a better tomorrow. 

  We are an EEO/AA employer, including disability and veterans.  For Bank of Hawaii's full EEO statement, please visit  https://www.boh.com/careers.