Job Description

Position Summary
The Credit Administration Department Manager provides enterprise-level leadership over the credit union’s credit administration and credit risk governance functions. This role is accountable for ensuring integrity, accuracy, and effectiveness of credit risk oversight across all lending portfolios, including residential mortgage, home equity, consumer, commercial real estate, business lending (including participations), and portfolio-level concentration management. The position supports the safety and soundness of the credit union by delivering disciplined credit risk monitoring, strong governance controls, and reliable reporting to senior leadership and the Board.
The role leads the enterprise credit-risk monitoring and reporting framework, credit quality control, credit policy architecture, and the Allowance for Credit Losses (ACL/CECL) program. The manager chairs or supports key credit committees and ensures strong alignment with NCUA and state regulatory expectations.
As a senior credit authority, the manager applies advanced commercial credit judgement and provides independent challenge on complex credit decisions, portfolio risk exposures, and concentration management. Success in this role requires strong partnership with business-line leaders across the first and second lines of defense, promoting a strong risk culture, transparent reporting, and effective challenge to enable prudent portfolio growth within the credit union’s risk appetite and within a well-controlled, regulatory-compliant environment.
Please be aware the hiring process for this position will require in-person interviews at our HSFCU Headquarters, located in Downtown Honolulu.
Salary Range
• Minimum - $82,910
• Maximum - $132,655
Required Qualifications & Experience
• 6-8 years of progressively responsible experience in credit administration, commercial lending, portfolio risk management, or credit risk review within a financial institution.
• At least 3 years of experience approving or reviewing commercial credit relationships.
• Advanced knowledge of commercial and CRE credit analysis, including financial statements, tax returns, global cash flow analysis, risk rating methodologies, collateral valuation, and prudent credit structuring.
Demonstrated ability to make independent, well-supported credit decisions on complex commercial lending relationships while balancing member needs with safety-and-soundness requirements.
Strong knowledge of credit union lending regulations (NCUA), consumer and commercial lending requirements, and real estate secured lending standards.
• Knowledge of CECL/ACL concepts, risk modeling principles, and portfolio stress testing practices.
• Knowledge of loan policy design, underwriting standards, and credit quality control across consumer, mortgage, and commercial portfolios.
• Ability to challenge assumptions and identify credit weaknesses while maintaining constructive working relationships with lending teams.
• Effective written and verbal communication skills.
• Strong problem solving skills and attention to detail.
• Strong time management skills, and ability to work independently in a fast paced, multitasking environment.
• Good project management abilities.
• Bachelor’s degree in business or related field or equivalent experience.
Preferred Qualifications & Experience
• Prior higher-authority commercial credit approval experience strongly preferred.
Benefits
• Competitive Compensation: HSFCU offers competitive pay, merit increases, and performance-based incentives.
• Health Coverage: Comprehensive medical and dental benefits, including 100% employer-paid single coverage for full-time employees.
• Generous Paid Time Off: Enjoy 13 paid holidays and up to 29 days of PTO annually.
• Retirement Savings: Save for the future with a 401(k) plan with up to 10% employer contributions.
• Transportation Benefits: Up to $100 monthly parking subsidy, on-site parking as available, or 100% bus pass reimbursement.
• Health & Wellness: Access to wellness fairs, flu shot clinics, and on-site fitness centers.
• Financial & Lifestyle Benefits: Access flexible spending plans, credit union product discounts, and life, accident, and disability insurance.
• Growth & Development Opportunities: HSFCU invests in your professional journey through in-person and online training, workshops, career development assistance, and tuition assistance.
• People-First Workplace: A wellness-focused and community-minded culture where teamwork and collaboration are central to how we work.
• Recognized Excellence: HSFCU has been recognized as one of Hawaii’s Best Places to Work for over 14 years.