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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Join Our Team

Careers

 

 


Loan Officer

Pay Rate: $20.40 – $26.00

Location: Waipio

Provides end-to-end lending assistance to ensure that members’ lending and financial services needs exceed expectations. Engages members and non- members on our website, online loan applications, through web chats, texts, e- emails, phone calls, video conferencing, in-person, and other channels for lending and financial services opportunities.

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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   

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

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

Must have one of the following:
  • Possess a two or four-year college degree;
  • 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.

Experience

  • Two years experience working in consumer credit preferred.

Training

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

 

Volunteer

JOIN THE PEARL HAWAII TEAM

Want a career with a great team and an employer who pays you to take the day off on your birthday!? Yup, we do! At Pearl Hawaii Federal Credit Union, we value and appreciate each employee. Without stellar people like you, we wouldn’t be in business. Interested in becoming a part of our team? Applying just might be your next best move.

UPGRADE YOU

  • Fully Paid And Robust Medical With Drug, Vision, Dental, Chiropractic, Acupuncture, Massage, Discounted Gym
  • Generous Paid Time Off
  • Life & Disability
  • 401(k) Retirement plan
  • Financial Perks
  • Parking Is Paid
  • Professional Development
  • Tuition Assistance
  • Learning Opportunities
  • Personal Support
  • Recreational
  • More Details Below…

 

NOT YOUR AVERAGE CAREER

We love what dedicated employees bring to the table, so we do what we can to take good care of each one.

We believe going to work should translate into a better life all around. We know when you’re able to find balance, you have more to offer. That’s why we provide amazing benefits and some of the best pay on the island—what helps you helps us. Take a look at some of our favorite ways to treat our employees well.

BENEFITS

 

HEALTH INSURANCE

Robust medical package for all full-time employees which includes medical, dental, vision, drug, chiropractic, acupuncture, massage therapy, and discounted gym membership. Minimal cost for added family members.

Employee choices include HMSA, Kaiser, and Medicare Waiver Incentive.

  • Robust premium insurance package with a coverage that includes Health, Drug, Vision, and Dental. Plan includes Chiropractic, Acupuncture, and Massage Therapy riders. Also, plan includes discounted gym memberships.
  • Employee only – No cost to employee
  • Employee & 1 dependent – Employee pays $50 per month
  • Employee & family – Employee pays $50 per month

LIFE & DISABILITY INSURANCE

  • Premium for Group Life Insurance – No cost to employee (Benefit is equal to 150% of annual pay).
  • Premium for Group AD&D Insurance – No cost to employee (Benefit is equal to 150% of annual pay).
  • Premium for Long Term Disability Insurance – No cost to employee (Benefit is equal to up to 66% of base salary until normal retirement age).
  • Premium for Group TDI Insurance – No cost to employee (Benefit is regulated by law). TDI is for illness or disabilities exceeding seven calendar days, such as pregnancy or non-work-related injuries. The employee shall receive payment up to the State maximum benefit amount, which will be 58% of the employee’s average weekly wage.  TDI covers a maximum of 26 weeks.

FLEXIBLE SPENDING ACCOUNT

Flexible Spending Account, which allows employees to pay certain qualified expenses (such as health insurance premiums, co-pays, prescriptions, dependent care expenses) on a pre-tax basis thereby reducing their total taxable income and increasing their spendable/take-home income.

PAID TIME OFF

  • Generous vacation and sick leave
  • 11 Federal Holidays and half days on Christmas and New Year’s Eve.
  • Your Birthday… yes, we celebrate you!
  • Administrative leave for full-time employees who need to renew base access cards or to donate blood.

FINANCIAL PERKS, RETIREMENT, PLUS MORE! 

  • Excellent 401k Retirement Plan, which includes 100% matching contribution of up to 6%.
  • Profit Sharing Contribution (Discretionary and requires yearly approval).

PERSONAL SUPPORT

  • College tuition assistance upon approval. When an employee takes a course at a college or university that is related to their job, the employee will be reimbursed for tuition dependent upon grade achieved.
  • Employee Assistance Program (Confidential Counseling Service).
  • Additional provided classes or webinars available through FEAH, Hawaii Credit Union League, and other vendors.

RECREATIONAL 

  • Staff is invited to participate in community activities.
  • Social Events – Company allots funds per year for staff activities and events.
  • Regular games, contests, and morale building activities (Food is important to our company culture).

 


STEP 1 

Complete an application online or fill and print the application.

STEP 2

  • Send or Email your application and resume to Careers@phfcu.com
  • Drop it by any of our branch locations
  • Send it in the mail: PEARL HAWAII FEDERAL CREDIT UNION, Attn: Human Resources Dept., 94-449 Ukee Street, Waipahu, HI 96797

 


CULTURE + PHILOSOPHY

 

OUR PURPOSE

BUILDING TRUST, NURTURING DREAMS, AND INSPIRING HOPE. ONE MEANINGFUL EXPERIENCE AT A TIME.  

OUR CORE VALUES

TRUST

Employee Focus | We perform all our actions with integrity and excellence.
Customer Focus | We always do the right thing; we listen to you and your needs and look out for your best interests.
Leadership Focus | We believe in you and empower you to take action and make decisions. We have your back at all times.

NURTURE

Employee Focus | We encourage teamwork through respect and collaboration.
Customer Focus | We build genuine relationships with our community and help them fulfill their dreams.
Leadership Focus | We foster ingenuity and passion through mentoring and guidance.

INSPIRE

Employee Focus | We are stronger together, look after each other, and commit to bringing a positive mindset to every interaction.
Customer Focus | We make a difference in our community by helping our members find solutions that positively impact their lives.
Leadership Focus | We are excited to enhance our employees’ well-being by developing their skills and abilities and providing an environment that allows everyone to grow.

 

BUILD YOUR CAREER 

Pearl Hawaii is an Equal Opportunity Employer

Pearl Hawaii Federal Credit Union is an Equal Opportunity Employer. That means all team members are treated equally regardless of race,  color, religion, national origin, age, sex, marital status, sexual orientation, ancestry, citizenship, veteran status, disability, arrest, or court orders. If you are legally authorized to work in the United States, check out our employment opportunities.  See a position you like and are qualified for? Don’t hesitate to apply! We look forward to reviewing your application and resume.

 

 

STILL NOT CONVINCED?

If you’re not already keen to apply after reading all that, here’s another fun fact:

Pearl Hawaii was listed as one of the Best Places to Work by Hawaii Business Magazine in 2016, 2017, 2018, 2019, 2020, & 2021. Forbes Best in 2020. Join our community to find out why.

Volunteer

 

UPGRADE YOU.

Building trust, nurturing dreams, inspiring hope. From home or car loans to Hawaii’s most innovative banking services, Pearl Hawaii is committed to you. Bank at any of our Oahu locations in Waipahu, Ewa Beach, Waianae, Honolulu, Pearl Harbor, or near the Airport. Additionally, you can bank using PHFCUOnline just like one of our branches. To contact us, call us at 808.737.4328, toll-free at 800.987.5583, or email us at MyFamily@phfcu.com.

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