Key Responsibilities Include

• Prepare credit analysis including review/analysis of real estate and C&I loans—specific market information and financial statements for commercial borrowers, guarantors and prospects.
• Working proactively to ensure both production and analyst tasks are prioritized appropriately and completed in a timely manner. Specific tasks include: financial statement spreading; completing financial analysis documents; updating and creating new requests—modifications—renewals and annual reviews; tracking and completing covenant monitoring, completing industry research and having a strong understanding of loan policy. 
• Specific Skills and analytical tools that maybe necessary includes: the ability to understand and provide commentary on Company Financial performance; review and provide analysis on  leases, appraisals, budgets, projections , guarantor documents, tax returns, cash flows, financial ratios, trends and debt repayment capacity.
• CA’s participate in approval conversations with management and credit partners to justify and explain information in the analysis when warranted.
• Analyze and prepare complex credit approval documentation in FHB’s approval system. Credit Approval Documentation includes loan terms, collateral, entering covenants, determining bank's credit exposure, and loan grade inputs.
• CA’s are responsible for working with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines.
• Participates in internal credit conversations with PM’s, RM’s Credit Risk Managers and senior management and in external meetings with clients and prospects.
• Participates in special projects and assignments and performs other duties assigned.
• CA’s must demonstrate consistently high level of ownership in line of business and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, extreme level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals.