Join Our Team
OPEN POSITIONS
Collections Manager
Pay Rate: Salary Range | $52,500 – $73,500 per year
Location: Waipio
The Collections Manager is primarily responsible for the Collections Department’s operations. This includes the development and implementation of authorized collection practices and procedures in order to protect Pearl Hawaii FCU against loss. The Collections Manager shall ensure the effectiveness of all collection efforts and actions taken in order to enforce the collection of all delinquent loan payments and recovery of articles pledged to secure its loans.
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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.
Member Service Specialist (Honolulu)
Pay Rate: Salary range: $18 – $20/hour
Location: Honolulu – Hokua Towers
Full-Time
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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ESSENTIAL DUTIES AND FUNCTIONS
- 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 travelers checks, 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 Posse Patrol 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 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.
ESSENTIAL DUTIES AND FUNCTIONS – CONSUMER LENDING
- Interview and obtain information from loan applicants to be able to proc-ess 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 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, etc.)
- Performs such other duties and responsibilities as may be prescribed by the Sr. MSR II, Branch Manager, VP Operations, 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
- 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 assigned.
- Monday through Friday, 8:45 AM to 5:30 PM
- Saturday, 8:45 AM – 2:30 PM
- Over time may be required.
- Work days, hours or branch location 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 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 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.
- 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 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 experience working in a financial institution preferred.
Training
- Must be willing to attend/participate in any training necessary to learn/update skills or knowledge required for the position.
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.
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 —what helps you helps us. Take a look at some of our favorite ways to treat our employees well.
Full Time 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
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.
Retirement & Profit Sharing
- Excellent 401k Retirement Plan, which includes 100% matching contribution of up to 6%.
- Discretionary Profit Sharing.
Life & Disability Insurance
- Group Life Insurance – No cost to employee (Benefit is equal to 150% of annual pay).
- Group AD&D Insurance – No cost to employee (Benefit is equal to 150% of annual pay).
- Long Term Disability Insurance – No cost to employee (Benefit is equal to up to 66% of base salary until normal retirement age).
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.
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 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).
How to Join Our Team
STEP 1
Complete an application online or fill and print the application.
STEP 2
- Submit application and resume:
- By email: careers@phfcu.com
- In-person: drop off at any branch location
- By mail:
- Pearl Hawaii FCU
- Attn: Human Resources Department
- 94-449 Ukee Street
- Waipahu, HI 96797
Culture + Philosophy
Trust. Nurture. Inspire
Trust. Nurture. Inspire.
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.
We change lives
Community is important to us. We sing carols to seniors during the holidays, hold free car washes and green events, actively engage Hawaii’s children through plays and activities to promote financial literacy and… well… At Pearl Hawaii Federal Credit Union we are about finding solutions to help each member.
We are banking, but with oomph
Pearl Hawaii is rewriting the script in the financial services industry. The truth is, the next time you visit your nearest branch, you might just stumble upon some extremely happy members. Cashing a check or making a loan payment has never been so entertaining.
Build Your Career
Pearl Hawaii is an Equal Opportunity Employer
That means all team members are treated equally regardless of race, sex, including gender identity or expression, reproductive choices, sexual orientation, age, religion, color ancestry/national origin, disability or association with someone with a disability, marital status, civil union status, lactation, credit history, credit report, arrest and court record (except in limited circumstances), veteran/military status or domestic or sexual violence victim status. 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.
How to Apply
STEP 1
Complete anย application.
STEP 2
- Submit application and resume:
- By email:ย careers@phfcu.com
- In-person:ย drop off at any branch location
- By mail:
- Pearl Hawaii FCU
- Attn:ย Human Resources Department
- 94-449 Ukee Street
- Waipahu, HI 96797
Employment Application
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Rates effective as of: June 18, 2025
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