Commercial Banking Relationship Manager

Position Summary

Hawaii State Federal Credit Union is seeking a Commercial Banking Relationship Manager to develop and grow a portfolio of Hawaii business relationships. As the lead relationship advisor, you will originate new business, understand each member’s financial and operating needs, structure sound credit and banking solutions, and bring together the right HSFCU partners to deliver a strong end-to-end experience.

HSFCU is investing in the continued growth of its commercial banking business. This role gives an experienced banker the opportunity to combine business development, credit judgment, and portfolio ownership with meaningful influence over how we serve Hawaii businesses. The Relationship Manager will work closely with credit, operations, and senior leadership while helping refine the products, processes, and market approach of a growing commercial platform.

We are looking for a relationship builder with strong commercial credit skills, a record of developing new business, and the judgment to balance member needs with responsible risk management. For someone who wants their relationships, market knowledge, and ideas to make a visible impact on both local businesses and HSFCU, this is an opportunity to build something meaningful.

This position is located at our HSFCU Headquarters in Downtown Honolulu.

Base Annual Salary Range

• Level I: $86,800 - $113,925 per year
• Level II: $97,200 - $127,575 per year
• Level III: $108,900 - $142,905 per year The posted range reflects the anticipated base pay for this position, with final compensation determined based on experience, skills, and internal equity.

Essential Duties:

• Level I
  • Develop, manage, and deepen commercial relationships while serving as the primary trusted advisor to commercial members.
  • Generate new business and build referral networks to acquire new commercial relationships.
  • Achieve commercial loan, deposit, relationship growth, and portfolio performance objectives.
  • Structure and develop commercial credit opportunities that meet member needs and align with sound credit practices.
  • Prepare, present, and advocate for credit requests through the approval process.
  • Monitor portfolio performance, relationship health, and credit risk.
  • Coordinate transaction execution and relationship servicing activities.
  • Represent Hawaii State FCU in the community and support internal; partners in identifying commercial banking opportunities.
• Level II
  • Level I duties, PLUS
  • Develop, manage, and deepen moderately complex commercial relationships while serving as the primary trusted advisor to commercial members.
• Level III
  • Level II duties, PLUS
  • Develop, manage, and deepen largest, most complex and strategically important commercial relationships while serving as the primary trusted advisor to commercial members.

Minimum Qualifications/Experience

• Level I
  • 4+ years of commercial lending, commercial relationship management, or directly related commercial credit experience.
  • Demonstrated success developing new commercial relationships, expanding a portfolio of existing relationships, and building productive referral sources.
  • Strong commercial credit analysis and deal structuring skills.
  • Ability to analyze financial statements, tax returns, and cash flows.
  • Bachelor's degree in business or related field, or equivalent experience.
• Level II
  • Level I requirements, PLUS
  • 6+ years of commercial lending, commercial relationship management, or directly related commercial credit experience.
  • Experience managing moderately complex and strategically important commercial relationships
• Level III
  • Level II requirements, PLUS
  • 8+ years of commercial lending, commercial relationship management, or directly related commercial credit experience.
  • Experience managing the largest, most complex and strategically important commercial relationships.

Preferred Qualifications/Experience

• An established network of Hawaii business and professional contacts or demonstrated success building referral networks and market relationships.
• Experience presenting credit requests to loan committees or approving authorities.
• Formal credit training through a bank, credit union, or recognized lending program.

Overview:

Find your happy place. Hawaii State Federal Credit Union is more than a bank, and not just another credit union.We’re a place where “Always Right By You” isn’t just a tagline to those we serve, but a promise to our employees, who enjoy generous benefits, opportunities for career advancement and a healthy work-life balance. As an employee, you will be part of a team that values trust, encouragement, and the holistic experience of working together. HSFCU offers a dynamic and supportive work environment where employees can enjoy competitive compensation and one of the best benefits packages in the business.

Benefits:

• Competitive Compensation: HSFCU offers competitive pay, merit increases, and incentives.
• Health Coverage: We've got you covered: full-time employees receive 100% coverage for medical and dental premiums, plus 50% towards covering your family members. Pre-tax deductions for your Flexible Spending Plan can be added on as early as 6 months in.
• Paid Time Off: Enjoy 13 paid holidays each year, plus Election Day and up to 2 full days off for Community Service. Your hard work is rewarded with an increase in PTO accrual with every year you're employed.
• Retirement Savings: Contribute to a 401(k) plan with up to 10% employer contributions including a 6% match and profit sharing after your first year.
• Transportation Subsidy: We make your daily commute stress-free. Receive 100% bus pass reimbursement or up to $100 subsidy towards parking and Pre-Tax deductions.
• Health & Wellness: Access to wellness fairs, flu shot clinics, and on-site fitness centers.
• Additional Benefits: Flexible spending plans, credit union discounts, life, accident, and disability insurance.
• Growth Opportunities: HSFCU invests in employee development through in-person and online training programs, workshops, career development assistance, and tuition assistance. Employees are encouraged to further their education and unlock new opportunities.
• Work Environment: HSFCU’s modern headquarters prioritize a balance between wellness and productivity, offering a variety of amenities. The culture is inclusive, with a focus on teamwork and community, often described as an 'ohana' or family atmosphere.
• Employee Testimonials: Employees appreciate the supportive environment where everyone’s voice is heard and valued. The credit union has been recognized as one of Hawaii’s best places to work for over 15 years.