Primary Purpose of Job

Directs the Bank-wide Enterprise Risk Management Program with an emphasis on credit risk. Serves as a resource throughout the Bank by providing coaching, direction and training on all aspects of risk management, internal controls, process development/redevelopment. Manages the Bank’s regulatory relations.

Major Job Accountabilities

• Directs the Bank-wide Enterprise Risk Management Program relating to credit risk throughout the company.
• Supports the Board Risk Committee in fulfilling its responsibilities and achieving its objectives, pursuant to its charter.
• Actively promotes enterprise risk management practices and continuous process improvements.
• Establishes sound enterprise risk management (ER) governance structure and related activities.
• Monitors the Bank’s ERM risk profile, policies and tolerances with an emphasis on credit risk.
• Directs credit reviews for significant loan portfolios through co-source partners.
• Evaluates all significant risk management practices and issues as it relates to its business strategy, business model & objectives.
• Monitors events that could materially impact strategic, reputational, credit, market (including interest rate, liquidity, capital adequacy, investments), operational risk.
• Actively participates in major risk management initiatives impacting credit risk.
• Stays current with emerging risks that impact our loan portfolios.
• Serves as a resource throughout the Bank by providing coaching, direction and training on all aspects of credit risk management, internal controls, process development / redevelopment & leads or assists with projects to strengthen credit risk management capabilities across the organization.
• Manages regulatory relations, coordinates exams and monitors findings relating primarily to credit risk.
• Assesses the components of management’s policies by monitoring management’s responses to significant policy issues, audits, reviews and examinations as identified by various internal and external resources (e.g. Enterprise Risk, Internal Audit, Forensic Investigations, Bank Regulatory functions, line of business self-assessments, bank regulator (Office of Comptroller of the Currency), external auditors, consultants, etc.)
• Actively participates in exit meetings and assists with assessing recommendations and plans for remediation.
• Reports to the Management Committee and the Board Risk Committee.

Experience Required

• Ten (10) years of experience in lending or credit (direct lending experience that demonstrates experience in originating, underwriting (that addresses all risks of default and loss given default from economy, interest rates and industry to the individual borrower’s financial capacity to repay), approving, documenting, booking and collecting on the most complex types of loans).
• Five (5) years of Managerial experience.

Required Skills or Training

• Working knowledge of risk management practices.
• Experience directing large, enterprise-wide projects/initiatives.
• Excellent written, oral, listening and presentation communication skills to effectively communicate with all levels of the organization, the Board Risk Committee, external auditors, bank regulators & consultants.
• Excellent interpersonal skills to direct, influence, motivate, persuade, mentor and train various groups or individuals.
• Ability to remain flexible in a demanding work environment and adapt to rapidly changing priorities.
• Demonstrated ability to manage and to work independently or as part of a team, in an effective and efficient manner under pressure.
• Self-motivated with excellent organizational and time management skills.
• Resourceful, with strong analytical skills required for researching interpreting and reengineering processes.
• Positive, encouraging style, personality and approach.
• Proficient PC skills utilizing Microsoft Office: Word, Excel, PowerPoint, Project & Visio.

EOE, including disability/veterans

At American Savings Bank, we welcome and support all individuals and celebrate the diversity of our team members, customers and community. We are committed to ensuring that our online application process is accessible and provides an equal employment opportunity to all job seekers. If you need assistance searching for a job or submitting an application, please contact us by calling 808-538-2000 and a member of our Recruitment team will follow up with you. Mahalo for your interest in American Savings Bank!