Consumer Credit Center Manager

About the job

First Hawaiian Bank is currently seeking a Retail Credit Center Manager to join the team in the Retail Credit Center.

Compensation:

The pay range for the role is $95,000 - $135,000/yr; commensurate with experience

The level of the position will be determined by the hiring manager based on the candidate's qualifications.

Work Schedule:

Monday - Friday 8:00AM - 5:00PM (hours may vary)

Responsibilities

The Retail Credit Center Manager is responsible for the leadership, oversight, and administration of retail credit underwriting and credit operations activities supporting consumer and small business loan, line, and credit card products. The position is accountable for ensuring credit decisions are consistent with the Bank's established credit risk appetite, applicable laws and regulations, and internal policies, while delivering efficient, timely, and consistent credit decisioning that supports both operational objectives and customer experience expectations. The role collaborates closely with Retail Credit & Origination, Deposit & Lending Services, Retail Credit Service Center, and other business partners to support operational effectiveness, process improvements, system enhancements, and strategic initiatives.

Qualifications

• Bachelor’s degree in business administration, accounting, economics, management, related field; or equivalent combination of education, training, and experience required.
• Experience in a banking or financial services environment supporting consumer and/or small business loans, lines of credit, and credit card products preferred.
• Experience leading or supporting lending operations, credit underwriting, credit risk, process improvement, or operational management functions preferred.
• Experience with lending technology platforms, loan origination systems, workflow systems, or related operational technologies preferred.

Assistant Vice President (minimum experience requirement):

• Five (5) years of progressively responsible experience in consumer and/or small business lending, credit underwriting, credit risk management, loan operations, or related financial services functions required.
• Three (3) years of supervisory or management experience required.

Vice President (minimum experience requirement):

• Seven (7) years of progressively responsible experience in consumer and/or small business lending, credit underwriting, credit risk management, loan operations, or related financial services functions required.
• Five (5) years of management experience leading teams, operational functions, or strategic initiatives required.

*Required experience may be obtained concurrently.

All Candidates:

• Extensive experience leading consumer and/or small business lending and underwriting operations within a financial institution, including consumer loans, credit cards, and related credit products.
• Demonstrated expertise in credit risk management, portfolio performance monitoring, and consumer credit policy governance.
• Experience overseeing high-volume consumer lending operations while balancing credit quality, service levels, and customer experience.
• Strong knowledge of banking regulations and compliance requirements, including Consumer Lending regulations, Fair Lending, BSA/AML, CIP, privacy requirements, and related regulatory frameworks.
• Proven ability to collaborate and influence stakeholders across multiple business lines, including Retail Banking, Call Center, Credit Administration, Risk Management, Compliance, Operations, and Product Management.
• Experience leading audits, regulatory examinations, SOX controls, issue remediation, and quality assurance programs.
• Demonstrated success managing organizational change, process improvement initiatives, and operational efficiency enhancements.
• Experience developing, implementing, and maintaining underwriting guidelines, credit policies, operational procedures, and risk controls.
• Experience supporting or leading lending technology platforms, loan origination systems, workflow solutions, and related operational improvement initiatives.
• Strong leadership and management skills, with the ability to establish direction, prioritize initiatives, and drive organizational objectives.
• Advanced consumer and small business credit underwriting expertise, including development and interpretation of credit policies, underwriting standards, and product parameters.
• Strong understanding of credit risk analytics, portfolio monitoring, trend analysis, performance management, and risk mitigation strategies.
• Ability to lead, develop, and mentor managers and staff while fostering a high-performance, accountable work environment.
• Excellent executive-level verbal and written communication skills, including the ability to present recommendations and influence senior leadership.
• Strong analytical and problem-solving capabilities with the ability to make sound risk-based decisions in complex situations.
• Expertise in operational management, workflow optimization, service level management, and continuous process improvement.
• Proven project leadership skills, including planning, execution, stakeholder management, and implementation of strategic initiatives.
• Ability to manage regulatory, audit, and compliance matters and ensure timely remediation of findings.
• Strong business planning, resource allocation, and budget management capabilities.
• Proficiency with lending platforms, loan origination systems, workflow technologies, business intelligence/reporting tools, and Microsoft Office Suite.
• Ability to handle highly confidential and sensitive information with sound judgment and discretion.
• Demonstrated ability to collaborate across business units and effectively partner with Credit Administration, Retail Credit & Origination, Operations, Compliance, Risk Management, Technology, and Retail Banking stakeholders.

Additional Information

• Job Identification: 583
• Job Category: Enterprise-wide Services
• Posting Date: 2026-10-30
• Job Schedule: Full time
• Locations: 2339 Kamehameha Hwy, Honolulu, HI, 96819, US
• Pay Range: $95,000 to $135,000