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Pearl Hawaii Credit Union
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Careers

 

 


Collections Officer

Pay Rate: Salary Range | $20.40 - $26.00 per hour

Location: Waipio

The Collection Officer is responsible for the collection, recovery, and handling of all delinquent loans. The Collection Officer is required to safeguard the Credit Union’s interests and assets by any and all legal means possible while adhering to all applicable federal and local collection laws and regulations.

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ESSENTIAL DUTIES AND FUNCTIONS

  • Contacts members by phone, mail, or in person in order to inform the member of their delinquent loan status and establishes an action plan or workout to cure the delinquency.
  • Identifies problematic issues, trends and potential problems with delinquent loans, loans paid ahead six months or more, and reports such findings to the Collections Manager.
  • Conducts thorough skip-tracing methods and research on delinquent and/or charged-off recoverable loans in order to obtain new contact information, leads, and to increase the recovery of loan losses.
  • Prepares and sends required collection notices, or letters in a timely and effective manner.
  • Responsible for maintaining record and documentation of all collection efforts and member contacts detailing promises, agreements, and establishes an effective follow-up system.
  • Works with PHFCU attorneys, approved vendors or third party agencies and attorneys on accounts that may require legal proceedings, judgments, repossessions, and foreclosures.
  • Responsible for the processing and handling of Vehicle Transportation Authorizations requests and maintains record of each request.
  • Responsible for the processing and handling of all Loan Protection, Collateral Protection, GAP, and Service Contract claims, rebates, and refunds.
  • Responsible for the maintenance of all collection account files and loan information in a confidential manner.

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 (ie. Safety, Social Events, etc.)
  • Performs such other duties and responsibilities as may be prescribed by the Collections Manager, VP Loans, and/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 and members.
  • Requires verifying information and documents for accuracy.

COMMUNICATION DEMANDS   

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

PHYSICAL DEMANDS

  • Requires sitting at a work station for periods of up to 4 hours (without a break).
  • 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 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

  • High School graduate or GED equivalent required

Experience

  • One year or work experience as a Collections Officer (or comparable position); or
  • Three consecutive years or more of satisfactory employment at Pearl Hawaii FCU. Note: upon applying for 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.

Member Services Specialist (Part Time)

Pay Rate: Hourly Range | $18.00 - $20.00

Location: Honolulu - Hokua Tower

Provides members with courteous, efficient, and accurate service in depositing funds, withdrawing funds, opening and cross-selling new share accounts, certificate accounts, and other new services. And provides members with courteous, accurate, and efficient loan service, which includes providing loan information, interviewing, and accepting loan applications in accordance with loan policies. Ensuring that each loan application is handled properly and in a timely manner.

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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.
Waipio and Airport Member Services Specialist ONLY:
  • Removes and replenishes coin machine bags and prepares coin machine bags for deposit processing.
  • Processes coin machine transactions.
Waipio Member Services Specialist ONLY:
  • 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   

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.
  • 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.

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.

View Full description

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:
  • 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.

 

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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