Bank Associate

Position Function:

The Bank Associate position is designed to develop future banking professionals by providing broad exposure to underwriting, credit analysis, lending practices, and the Bank’s approach to managing risk and serving customers. This position is for individuals interested in building a long-term career in banking, with the goal of preparing successful participants to transition into an Underwriter position upon completion of the one-year program and pursue future career opportunities, including advancement toward a Banking Officer role.

Through a combination of rotational assignments, on-the-job and classroom training, formalized feedback, coaching, and mentoring, Bank Associates will gain hands-on experience in credit analysis, financial analysis, risk assessment, loan structuring, and other fundamental aspects of the underwriting process while contributing to Central Pacific Bank' s strategic initiatives. The program also emphasizes personal and professional development, providing opportunities to strengthen communication, critical thinking, collaboration, leadership, and other skills essential to becoming a high-level contributor and trusted banking professional.

During the program, Bank Associates will work alongside experienced banking professionals and accept delegated responsibilities and duties appropriate to their level of development.

Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a “Voyaging Spirit” and being “Positively Ohana”. Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness.

Primary Accountabilities:

Participates in structured rotational assignments to develop a broad understanding of the Bank’s lending businesses and underwriting practices.

Develops foundational knowledge and practical skills in financial analysis, credit analysis, risk assessment, loan structuring, credit decision-making, and portfolio management by working alongside experienced underwriters, bankers, relationship managers, portfolio managers, and other business partners.

Participates in credit discussions, business meetings, and other activities to develop an understanding of lending decisions, risk considerations, relationship banking, and appropriate loan structures.

Gains exposure to the loan process from origination through approval, documentation, and booking, as well as ongoing portfolio management activities.

Develops an understanding of applicable Bank policies, procedures, credit standards, regulatory requirements, risk management practices, products, services, and systems.

Reviews internal documents (strategic plan, annual report, mission and values), participates in bank-wide employee meetings to learn about the bank’s strategic priorities, upcoming initiatives and financial performance.

Attends meetings with key senior leaders in various departments to build holistic view of bank’s functions, challenges, and opportunities.

Takes part in corporate social responsibility activities and events that support the bank’s role in the community.

Participates in formal training, workshops, coaching, mentoring, and other personal and professional development opportunities designed to strengthen communication, critical thinking, problem-solving, collaboration, organization, leadership, and other skills essential to becoming a high-level contributor.

Seeks and applies feedback, demonstrates initiative and ownership, builds…