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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Loan Officer


  • 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.


  • 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.


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.


  • 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.



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



  • 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.




  • 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.


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.


  • Two years experience working in consumer credit preferred.


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