Join Our Team

ESSENTIAL DUTIES AND FUNCTIONS

• Maintain and routinely update PHFCU Collections department standards, policies and procedures in alignment and compliance with current Federal and State Collection laws and practices.
• Monitor, process, and track loan delinquencies, repossessions, foreclosures, bankruptcies, TDR’s, workouts, charge-offs, and post charge-off accounts to ensure compliance with PHFCU Collections Department standards and credit union goals.
• Responsible in ensuring that all collections efforts are compliant and exhausted for pre charge-off and post charge-off accounts according to applicable Federal and State law.
• Manages E-Oscar to ensure all credit reporting agencies are notified and updated due to any applicable changes in a member’s credit reporting account status.
• Works with third parties, including the credit union’s attorneys, Credit Reporting Agencies and Recovery Agencies, on accounts which require legal proceedings, judgements, recoveries and foreclosures.
• Review and evaluate delinquent accounts to identify possible trends and provides recommendations for changes as necessary.
• Prepare and submit data and reports to the Board and appropriate departments as instructed by the Vice President of Loans.
• Responsible for ensuring the accuracy, completeness, and consistency of the work within the Collections department
• Must possess a strong understanding of Bankruptcy laws. Will serve as the primary contact for all Bankruptcy related accounts.
• Provides leadership to the collections team to ensure all necessary functions of the department are met and to ensure staff complies with all regulations and requirements.
• Routinely consults with the Vice President of Lending on measures to provide greater efficiency, accuracy and benefit to the Collections Department.

OTHER DUTIES AND FUNCTIONS

• Conducts every aspect of this position, involving interpersonal relations, in line with the concept that all personnel, staff, shareholders and visitors are afforded full and equal treatment in all matters without regard to race, creed, color, sex, sexual orientation, age, national origin, lawful political affiliation, physical handicap or marital status.
• Periodically serves on various credit union committees (i.e. Safety, Social Events, etc.)
• Performs such other duties and responsibilities as may be prescribed by the VP Loans or President/CEO.
• Pursues a program of:
  • Self-Development.
  • Utilizing such training and education as may be required by the credit union:
    • in connection with this position;
    • for career development.
• Ensures a secure, neat, clean and safe work area.

WORKING CONDITIONS

Equipment Used

• Personal computer
• 10-key calculator
• Telephone
• Typewriter
• Fax Machine
• Copy Machine
• Document Scanner
• Printer
• Microfiche Machine

Work Hours

• Varies dependent upon shift and the needs of the Collection Department
• Over time may be required
• Work hours and days are subject to change

MENTAL DEMANDS

• Requires the application of sound decision-making principles, logical thinking and good judgment.
• Requires alertness, concentration and attention to detail.
• Requires the use of good judgment when dealing with difficult or uncomfortable situations.
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
• Ability to clearly document policies, procedures and instructions that conform to prescribed style and format.
• Ability to achieve and maintain accuracy with all processes and functions.

COMMUNICATION DEMANDS   

• Ability to communicate clearly both orally and in writing with members, peers, and managers.
• Ability to effectively present information orally and in writing to top management, public groups, and employees.

PHYSICAL DEMANDS

• Requires sitting at a work station for periods of up to 4 hours (without a break).
• Requires the ability to understand and complete instructions.
• Requires data entry/key punching and mouse skills to complete daily work.
• Ability to view and correctly interpret numbers, text and images on a computer screen.
• Requires the use of various office equipment to perform duties.
• Requires verifying documents for accuracy.
• Requires working beyond the 8-hour day periodically.
• Requires lifting and carrying up to 40 pounds.

QUALIFICATION REQUIREMENTS

 Skills/Knowledge

• Ability to learn and apply learned skills.
• Ability to work and communicate with all types of people.
• Ability to use a computer keyboard.
• Ability to type 40 WPM.
• Ability to operate a 10 key calculator.
• Knowledge of basic math skills.
• Ability to work and collaborate cooperatively with members, co-workers and management.
• Must be bondable.

Education/Training

• 4-year degree from an accredited university preferred.

Experience

• A total of five (5) or more years of experience working in the field of consumer credit and/or collections in a financial institution, preferably in a supervisory role.
• Two (2) years of supervisory or managerial experience desirable.
• Commercial and Mortgage Lending experience desirable.

Training

• Must be willing to attend/participate in any training necessary to learn/update skills or knowledge required for the position.

WORK HOURS

• Part-Time employees are required to work 3+ days per week during the following days and hours: Monday - Friday 11 PM - 5:30 PM and Saturday 10 AM - 2 PM.

ESSENTIAL DUTIES AND FUNCTIONS

TELLER/NEW ACCOUNTS

• Performs all duties exceptionally, safely, and efficiently.
• Receives cash and checks for payments or deposits.
• Issues checks or cash for withdrawals.
• Processes transfers between accounts.
• Issues money orders and movie tickets. Also maintains logs and adheres to inventory and control procedures.
• Cross-sells savings and loan services to existing and new members.
• Provides routine information on credit union products and services, policies, and member accounts in person, by phone, or by mail.
• Balances cash and checks to computer totals on a daily basis and prepares bank deposits.
• Opens new Savings, Checking, IRA, Trust, and Savings Certificate Accounts as well as provides information and disclosures relating to these services. (Note: Savings would refer to Regular, Christmas, Jumbo, and Momi Accounts).
• Processes applications for plastic cards and the Member Telephone Service.
• Processes deposits, withdrawal requests, loan payments, and loan close-outs received via mail.
• Provides members with payroll allotment forms.
• Maintains appropriate department records and files.
• Assists in balancing daily work.
• Assists in auditing of cash machines and other instruments with their immediate manager.
• Performs Shared Branching Transactions (HICUSO & CO-OP).
• Order supplies for the department as needed from the HR Director.

• Removes and replenishes coin machine bags and prepares coin machine bags for deposit processing.
• Processes coin machine transactions.

• Processes the opening and closing of Safe Deposit Boxes.
• Processes ATM deposits or payments.
• Assume the duties of the Receptionist in his/her absence.

CONSUMER LENDING

• Interview and obtain information from loan applicants to be able to process loan requests made by members for all types of loans offered excluding mortgage applications.
• Verifies loan application information to ensure that all essential information to make a decision has been noted.
• Assures all loan applications are completed in accordance with applicable federal and state laws and regulations.
• Inputs loan application information into the computer terminal for processing.

OTHER DUTIES AND FUNCTIONS

• Conducts every aspect of this position, involving interpersonal relations, in line with the concept that all personnel, staff, shareholders, and visitors are afforded full and equal treatment in all matters without regard to race, creed, color, sex, sexual orientation, age, national origin, lawful political affiliation, physical handicap or marital status.
• Periodically serves on various credit union committees (i.e. Safety, Social Events, ect.)
• Performs such other duties and responsibilities as may be prescribed by the VP Loans or President/CEO.
• Pursues a program of:
  • Self-Development.
  • Utilizing such training and education as may be required by the credit union:
    • in connection with this position;
    • for career
• Ensures a secure, neat, clean, and safe work area.

WORKING CONDITIONS

Equipment Used

• Personal computer
• 10-key calculator
• Telephone
• Typewriter
• Fax Machine
• Copy Machine
• Document Scanner
• Microfilm/Microfiche Reader/Printer
• Coin Counting/Sorting Machine
• Bill Counting/Sorting and Dispensing Machines
• Remote teller workstation equipment

Work Hours

• Hours are to be determined depending on the branch
• Monday through Friday, 8:45 AM to 5:30 PM
• Saturday, 8:45 AM – 2:15 PM
• Overtime may be required.
• Workdays, hours, or branch locations may vary according to the operational needs of the credit union.

MENTAL DEMANDS

• Requires the application of sound decision-making principles, logical thinking, and good judgment.
• Requires alertness, concentration, and attention to
• Requires the use of good judgment when dealing with difficult or uncomfortable situations.

COMMUNICATION DEMANDS   

PHYSICAL DEMANDS

• Requires sitting at a workstation for periods of up to 4 hours (without a break).
• Requires the ability to understand and complete instructions.
• Requires data entry/keypunching and mouse skills to complete daily work.
• Ability to view and correctly interpret numbers, text, and images on a computer.
• Requires the use of various office equipment to perform duties.
• Requires verifying documents for accuracy.
• Requires working beyond the 8-hour day.
• Requires lifting and carrying up to 40 pounds.
• Requires receiving and dispersing verified amounts of cash and negotiable instruments according to accepted procedures.

QUALIFICATION REQUIREMENTS

 Skills/Knowledge

• Ability to learn and apply learned skills.
• Ability to work with all types of people.
• Ability to use a computer keyboard.
• Ability to type 40 WPM.
• Ability to operate a 10-key calculator.
• Knowledge of basic math.
• Ability to work cooperatively with members, co-workers, and management.
• Must be bondable.

Education/Training

• High school graduate or GED equivalent

Experience

• One year of experience working in a financial institution is preferred.

Training

• • Must be willing to attend/participate in any training necessary to learn/update skills or knowledge required for the position.

ESSENTIAL DUTIES AND FUNCTIONS

• Provides assistance to members on our digital channels and in person to maximize sales opportunities in lending and deposit products while maintaining a high level of customer service.
• Utilizes web chats, video conferencing tools, texts, e-mails, and phone calls to interview and obtain information from loan applicants for all types of loans offered.
• Originates all types of loans offered on the Loan Origination System.
• Analyzes creditworthiness by reviewing and verifying credit data to calculate members’ capacity to repay the loan.
• Ensures that all loan applications are completed in accordance with applicable federal and state laws and regulations.
• Prepares loan documents and disbursement of loan proceeds.
• Cross-sells for opportunities in loans and other products offered by the credit union.
• Provides other assistance on our digital channels as needed to ensure that all financial service needs are met ranging from online account opening to deposit products.
• Must be sales and customer service driven in order to attain sales and customer service goals established by the credit union.
• Provides in-branch lending assistance at their designated branch and may require travel to other branch locations for appointment needs.
• Must possess excellent communication skills to deliver exceptional customer service both verbally and in writing.

OTHER DUTIES AND FUNCTIONS

• Conducts every aspect of this position, involving interpersonal relations, in line with the concept that all personnel, staff, shareholders, and visitors are afforded full and equal treatment in all matters without regard to race, creed, color, sex, sexual orientation, age, national origin, lawful political affiliation, physical handicap or marital status.
• Periodically serves on various credit union committees (i.e. Safety, Social Events, etc.)
• Performs such other duties and responsibilities as may be prescribed by the Loan Support Manager or VP of Loans.
• Pursues a program of:
  • Self-development
  • Utilizing such training and education as may be required by the credit union:
    • in connection with this position;
    • for career development
• Ensures a secure, neat, clean, and safe work area.

WORKING CONDITIONS

Equipment Used

• Personal computer
• 10-key calculator
• Telephone
• Typewriter
• Fax Machine
• Copy Machine
• Document Scanner
• Printer

Work Hours

• This position may require travel to different branches as needed.
• Over time may be required.
• Work days or branch locations may vary according to the operational needs of the credit union.
•  Monday to Friday 9:00 am to 6:00 pm (Extended hours may be needed as required by business needs). Saturdays 8:45 am to 2:15 pm.
• Work hours and days are subject to change and will be based on the changing needs of our membership.

MENTAL DEMANDS

• Requires the application of sound decision-making principles, logical thinking, and good judgment.
• Requires alertness, concentration, and attention to detail
• Requires the use of good judgment when dealing with difficult or uncomfortable situations.
• Must be able to work in a fast-paced environment.

COMMUNICATION DEMANDS   

PHYSICAL DEMANDS

• Requires sitting at a workstation for periods of up to 4 hours (without a break).
• Requires the ability to understand and complete instructions.
• Requires data entry/keypunching and mouse skills to complete daily work.
• Ability to view and correctly interpret numbers, text, and images on a computer.
• Requires the use of various office equipment to perform duties.
• Requires verifying documents for accuracy.
• Requires working beyond the 8-hour day.
• Requires lifting and carrying up to 40 pounds.

QUALIFICATION REQUIREMENTS

 Skills/Knowledge

• Ability to learn and apply learned skills.
• Ability to work with all types of people.
• Ability to use a computer keyboard.
• Ability to type 40 WPM.
• Ability to operate a 10-key calculator.
• Knowledge of basic math.
• Ability to work cooperatively with members, co-workers, and management.
• Must be bondable.

Education/Training

• High school graduate or GED equivalent required

Experience

• One year of work experience as a Loan Officer (or comparable position); OR
• Three consecutive years or more of satisfactory employment at Pearl Hawaii FCU. Note: Upon applying for a position, the last three years of employment will be reviewed and considered.
• One year of experience in the field of consumer credit preferred.

Training

• Must be willing to attend/participate in any training necessary to learn/update skills or knowledge required for the position.

ESSENTIAL DUTIES AND FUNCTIONS

1. Responsible in assisting with the maintenance of all loans in the credit union’s loan portfolio as directed by the Loan Support Manager.
2. Provides assistance to internal and external stakeholders with key functions needed to service the members’ loans.
3. Maintains member’s loan files and follows retention period according to the credit union’s policies.
4. Ensures that vehicle and real estate ownership titles are processed and perfected according to the credit union’s requirements.
5. Assist with members’ post-closing questions, inquiries, and change requests.
6. Communicates with third parties on loan related questions and requests while maintaining confidentiality of records.
7. Involved in ensuring that collateral insurance is properly maintained for all the credit union’s loan products. Will be responsible in all aspects of the collateral protection insurance program.
8. Responsible in assisting with the maintenance and balancing of loan related general ledgers.
9. Provides assistance with loan reviews to ensure quality and accuracy using various loan servicing reports as directed by the Loan Support Manager.
10. Responds and corrects members’ loan discrepancies and credit reporting disputes.
11. Involved with communicating and working with auto dealerships and other third-party vendors on contract packets, to ensure required loan decision stipulations and verifications are met according to the credit union’s policies.
12. Will perform other duties integral to the servicing of the loan department’s loans as directed by the Loan Support Manager or Vice President of Loans.

OTHER DUTIES AND FUNCTIONS

1. Conducts every aspect of this position, involving interpersonal relations, in line with the concept that all personnel, staff, shareholders, and visitors are afforded full and equal treatment in all matters without regard to race, creed, color, sex, sexual orientation, age, national origin, lawful political affiliation, physical handicap or marital status.
2. Periodically serves on various credit union committees (i.e. Safety, Social Events, etc.)
3. Performs such other duties and responsibilities as may be prescribed by the VP of Loans, or the President/CEO.
4. Pursues a program of self-development and utilizes such training and education as may be required by the credit union (in connection with this position and for career development).
5. Ensures a secure, neat, clean, and safe work area.

WORKING CONDITIONS

• Personal computer
• 10-key calculator
• Telephone
• Typewriter
• Fax Machine
• Copy Machine
• Document Scanner
• Printer
• Microfilm/Microfiche Reader/Printer
• P-Touch label maker

• Hours are to be determined depending on the shifts available.
• Monday through Friday, 8:15 AM to 5:00 pm, and Saturday 8:45 AM to 2:15 pm, subject to change to meet Credit Union’s needs.
• Overtime may be required.
• Work hours and days are subject to change and will be based on the changing needs of our membership.

MENTAL DEMANDS

• Requires the application of sound decision-making principles, logical thinking, and good judgment.
• Requires alertness, concentration, and attention to detail.
• Requires the use of good judgment when dealing with difficult or uncomfortable situations.

COMMUNICATION DEMANDS

• Ability to communicate clearly both orally and in writing with members, peers, and managers.

PHYSICAL DEMANDS

• Requires sitting at a workstation for periods of up to 4 hours (without a break).
• Requires the ability to understand and complete instructions.
• Requires data entry/keypunching and mouse skills to complete daily tasks.
• Ability to view and correctly interpret numbers, text, and images on a computer screen.
• Requires the use of various office equipment to perform duties.
• Requires verifying documents for accuracy.
• Requires working beyond the 8-hour day periodically.
• Requires lifting and carrying up to 40 pounds.
• Requires bending and climbing (step ladder) for the purpose of re-filing documents and folders.

QUALIFICATION REQUIREMENTS

• Ability to learn and apply learned skills.
• Ability to work with all types of people.
• Ability to use a computer keyboard.
• Ability to type 40 WPM.
• Ability to operate a 10-key calculator.
• Knowledge of basic math skills.
• Ability to work cooperatively with members, co-workers, and management.
• Must be bondable.
• Operational knowledge of and experience with Microsoft Word and Excel.

• High school graduate or GED equivalent required.

• One year of experience working in a financial institution is preferred.