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Successful business owners are always looking at ways they can grow their business and maximize their profits. We’ve put together a range of best practice guides, templates and tools to help you take your business to the next level.

CHECKLIST TO GROW YOUR BUSINESS

Our eight point Business Growth Checklist covers seeking new customers and new product or service development, to increasing your profit. Each step has a list of practical ideas and action points you can implement in your business today.

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PROFIT INCREASE CALCULATOR

By entering your existing business data and then developing strategies to improve each factor by a small percentage, you can see how a number of incremental steps may lead to a significant increase in net profit.

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BUSINESS PLAN TEMPLATE

It’s important that you have a road map for your new business. Our business plan template will allow you to generate a tailored business plan that’s right for your business.

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UNDERSTANDING CASH CYCLES

Cash flow is the lifeblood of any business so keep more of it in your business. The best way to do this is to shorten your cash cycle – and our infographic shows you how.

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BREAKEVEN CALCULATOR

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Calculating the breakeven point of your products is an important part of testing the feasibility of your business. Use this calculator to experiment with pricing, costs and time to find a combination that gives you the most viable solution.

If you know your overhead and the cost of production, you'll be able to work out how many products or services you need to sell to breakeven.

Darrell Avery's photo

Darrell Avery, CRPC®

Vice President, Financial Advisor

 

American Savings Investment Services

Phone: (808) 541-8634 
darrell.avery@asbinvestments.com 
Branches served: Ewa, Kalihi and Waipahu

Darrell has worked as a Financial Advisor since 1994 and has a Chartered Retirement Planning Counsel (CRPC) designation. He holds Series 24, 7, 64, and 65 securities registrations as well as Life, Accident and Health Insurance Licenses. 

He enjoys dirt biking, stand up paddle boarding, and golfing in his free time. Darrell is an active member of Mililani Basketball Association.

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ASB and Helping Hands Hawaii Kick Off School Supply Drive

ASB June 11, 2018 | 5 min read N/A
Ready to Learn KHON2
 
KHON2 News
 
American Savings Bank is teaming up with Helping Hands Hawaii to gather as many school supplies as they can so no keiki goes back to school without having the necessary tools.
 
You can drop off supplies at any American Savings Bank across the state.
 
We spoke with Chereen Pires from American Savings Bank and Kristine Garabiles from Helping Hands Hawaii to find out more.
 

 

Ready to Learn HNN

Hawaii News Now
 

Ready to Learn (RTL), a program at Helping Hands Hawaii (HHH), will run its annual school supply drive for at-risk students from June 1 to July 31, 2018. The program gives low-income and houseless students free basic educational tools to aid in their scholastic development and contribute to a more prosperous future.

“Learning and self-esteem are affected when children don’t have school supplies they need on the first day of school or throughout the year,” said HHH President and CEO Jan M. Harada. “But, the community can directly support the educational experiences for local youth with just a small donation.”

Banking partner American Savings Bank (ASB) will collect school supplies and monetary donations from June 11 to July 11 at all of its branches statewide. Donation of school supplies on each island will remain on the island to benefit local students.

"School supplies have the power to drastically improve a student’s access to education and opportunities for success," said Beth Whitehead, executive vice president and chief administrative officer at ASB. "We are proud to support Ready to Learn, and hope the community will join us in donating school supplies and monetary donations to this important program."

School supply donations supplement pre-ordered, bulk supplies in school supply kits purchased with donated and grant-awarded funds for students of all grade levels. These kits contain common supplies found on the Department of Education’s back-to-school lists. Each kit is valued at approximately $10 each. Annually RTL distributes more than $50,000 in school supplies to more than 5,000 students across the state.

The school supplies in highest demand are: ballpoint pens (black or blue), binders (1 inch), blunt scissors (4.5 inch), composition books (wide ruled), crayons (24 count), erasers, folder paper, glue (4 ounces), pencils (No. 2), portfolio (2 pockets), rulers and spiral notebooks (1 subject, wide ruled).

To apply for the RTL program, students in grades K to 12 must be recommended by a case manager from a participating referral organization. Partner agencies include Catholic Charities Hawaii, The Salvation Army, Child & Family Service, Parents & Children Together, Liliuokalani Trust, Hawaii Department of Health, Hawaii Department of Human Services and other well-established social service providers. Students and their parents are encouraged to reach out to these organizations if they require assistance. The deadline to apply for the program is Friday, June 22, 2018.

In addition to donating at the nearest American Savings Bank, individuals, organizations and corporations can organize their own fundraising drives and volunteer to pack donated school supply kits by completing a RTL Community Partner Application. Email the completed form to RTL@helpinghandshawaii.org, and a RTL team member will follow up with additional information and assistance. A list of RTL Community Partners and donation drop-off locations will be listed at www.HelpingHandsHawaii.org as information becomes available.

Additionally, the public can donate to the RTL program using the following methods:

Online: Visit www.HelpingHandsHawaii.org and click on the PayPal link to make a gift. Contributions from June 1 to July 31, 2018 are automatically earmarked for the RTL program unless specifically designated elsewhere.

Mail: Checks made payable to “Helping Hands Hawaii” can be mailed to Ready to Learn Program, c/o Helping Hands Hawaii, 2100 N. Nimitz Hwy., Honolulu, HI 96819. Write “Ready to Learn” in the memo section.

In-Person: Cash, check and school supply donations are accepted at all ASB branches from June 11 to July 11 and on weekdays between 8 a.m. and 4:30 p.m. at Helping Hands Hawaii’s main office at 2100 N. Nimitz Hwy., Honolulu, HI 96819. For a list of ASB branches, visit www.asbhawaii.com/locations.

Copyright 2018. Hawaii News Now. All Rights Reserved.


American Savings Bank supports Helping Hands Hawaii

Hawaii Public Radio
By DAVE LAWRENCE • JUN 8, 2018
 

This week on Helping Hand, join HPR All Things Considered Host Dave Lawrence for a conversation about the annual Ready to Learn program with Helping Hands Hawaii CEO and President Jan Harada. Jan explains that with half of all public school students in the Aloha State coming from households eligible for government-sponsored free lunches at school, the need is great. The school supply drive runs through July 31, giving low-income and houseless students free basic educational tools. American Savings Bank will collect school supplies and monetary donations from June 11 to July 11 at branches statewide, and people can donate at the Helping Hands Hawaii location and online.

Helping Hand is a weekly feature airing statewide on HPR1 stations each Friday as part of our afternoon drive broadcast of All Things Considered, and then appearing online here, where all of our Helping Hand segments and resources are archived online. Helping Hand puts the spotlight on an organization, topic or event that offers assistance to people with disabilities and others among the most vulnerable.

Contact Helping Hands Hawaii:
Phone: (808) 536-7234
 
READY TO LEARN DETAILS:
What Type of Supplies Are Needed?
RTL collects basic supplies, such as
  • Backpacks
  • Ballpoint Pens (Black or Blue)
  • Blunt Scissors (4.5 inch)
  • Composition Book
  • Crayons (24 Count)
  • Folder Paper
  • Glue (4 ounces)
  • Pencils (No. 2)
  • Portfolios
  • Spiral Notebooks (1 Subject, Wide Ruled)

Or a $10.00 donation can purchase the supplies needed to create one school supply kit for a child in need.

Media Contact

Karwin Sui
Communications Manager
(808) 539-7268
ksui@asbhawaii.com

< Back Helpful Articles

Kyle Shelly named to PBN’s 40 Under 40

ASB June 04, 2018 | 5 min read N/A
Pacific Business News
By A. Kam Napier  – Editor-in-Chief, Pacific Business News

 

Just a glance at the industries represented by this year's group of 40 Under 40 tells a story — tourism may dominate Hawaii's economy but there is far more to Hawaii's economy than that. Our honorees practice law, architecture and medicine. They make movies and fill movie theaters with audiences. They design buildings and design coastlines. They tantalize us with tasty treats and high-end dining. They change banking. They innovate in the energy sector. They run events. Our nonprofit honorees care for the land, our children, our rights.

PBN received nearly 200 nominations this year and they were all really good at what they do. The 40 who made it were the most exceptional of a hard-charging group of people. They're not just good at their jobs, they also contribute to the growth of their entire industries and take leadership roles in community efforts that are beyond the scope of their usual work.

Congratulations to the 40 Under 40 Class of 2018!

Kyle Shelly, 34

First vice president, American Savings Bank

Kyle Shelly was originally tasked with originating $25 million in local business loans, and instead exceeded the goal by 400 percent. In just four years, he originated $100 million in local business loans with no losses. His current portfolio represents the largest share of American Savings Bank’s merchant fee income. 

Who is your business hero and why?

Warren Buffet. Despite his incredible successes, has always chosen to live simply and with frugality. His commitment to giving back is a characteristic I very much admire. I look up to his values of patience and discipline as a long-term investor.

By the time you retire, what would you have hoped to achieve in life?

I hope to have uplifted and enriched the lives of friends, family, colleagues and those in the communities in which I worked and lived. Along the way, I hope to experience many laughs, and some good wine.

What is the best piece of advice you’ve been given? Who gave it to you?

For most of my career, I’ve heeded the following:

  1. “Work and operate as if you own the company.” – my father, Van Shelly.
  2. “Perfection is not attainable, but if we chase perfection, we can catch excellence.” - Vince Lombardi.

In one or two words, what is your secret talent?

Snooze-button master

Media Contact

Karwin Sui
Communications Manager
(808) 539-7268
ksui@asbhawaii.com

John Ward

John Ward

Executive Vice President &
Chief Marketing & Product Officer

John is Executive Vice President and Chief Marketing & Product Officer at American Savings Bank (ASB).

John has more than 20 years of experience in traditional and digital marketing, business development and product management in financial services and technology.

Prior to joining ASB, he held executive-level positions at digital marketing agency iQuanti Inc; Sallie Mae, the nation’s leading student loan company; and First Union National Bank, where he oversaw online banking. John also served as Chief Marketing Officer and President of Upromise, helping millions of families save for college, and Chief Marketing Officer and Executive Vice President of IDT Corp.

Passionate about mentoring future leaders and entrepreneurs, John has spoken at Mana Up, Blue Startups and Elemental Accelerator.

He is an engineering graduate of the University of Nebraska and holds an MBA from The Wharton School at the University of Pennsylvania.

eStatements - Secure
 
secure icon
SecureReduce private information being mailed to your business and have peace of mind that your documents are safely stored online for up to 24 months. Paper statements expose your account information and addresses in print, risking the possibility of others accessing this information.  To protect yourself and your information, go paperless to see your confidential information digitally.
 
 
convenient icon
ConvenientWe’ll send you an email when your statement is ready to view. You may view or print statements as needed.
 
 

Sign Up for eStatements

Online Account Administrators can up for eStatements.  To sign up your accounts for estatements follow these steps after  logging into Online Banking:

  1. From the Menu, click on Settings, then click on Statement Preferences
  2. For each account, select eStatements for the Delivery Type
  3. Enter your email address for each account and click Submit. A notification will be sent to this email address when your eStatement is ready for viewing.
  4. Review the terms and conditions, then select the checkbox if you agree
  5. Click Save
  6. You will receive a confirmation message

 

Control Who Can View and Enable eStatements

Online Account Administrators can turn on and off the ability to view and enable or disable e-statements settings for other users on the online account.

Business eStatements - Security

Enable and Disable the eStatement Options for a User Role

Only the Account Administrators can take the following steps to enable and disable the estatement options for a user role.

  1. In the left side Navigation bar, Navigate to ‘Commercial’ > ‘User Roles’
  2. Select a user role and click the pencil icon to edit
  3. Select ‘Features’ from the top tabs
  4. Under the Custom Features heading, select “Online: Enable Link for eStatement Preferences” 
  5. The user can now view the ‘Statement Preferences’ tab under ‘Settings’

Allow a user role to view the estatements

Account Administrators can take the following steps to allow a user role to view the estatements.

  1. Navigate to Commercial > User Roles,
  2. Select a user role and click the pencil icon to edit
  3. Select Features from the top tabs
  4. Under Custom Features select “Online: Enable Link for eStatements” 
  5. The user can now go to Services > Statements and view the electronic statements

 

Business eStatements - Security 2

 

 

Inspired by his cultural upbringing as a native Hawaiian hula practitioner, self-taught fashion designer Manaola Yap translates Hawaiian spirituality and Hawaii’s natural beauty into prints that embody repetitious patterns found in nature.

 
 
Manaola tools

What we look for

At ASB, everybody is somebody. We hire passionate, driven and committed individuals ready to share their gifts and grow their talents. Empowering our teammates to achieve their dreams and guide them towards fulfilling futures is our goal. Below are some of the superstar qualities we look for:
  • Go All Out for Customers:

    Our #1 priority is to make banking easy for customers – period. We genuinely care about our customers and are willing to go the extra mile to earn and keep their business.

  • HOW You Do Things Matters:

    We’re an organization that not only values what we do, but how we do it. Doing things the right way might not always be the fastest or easiest way, but we act with integrity and use good judgement in everything we do.

  • Drive Change and Innovation:

    Time to think big and live outside of the box. At ASB, we love innovation and creative problem solving. We’re a team of doers: We do great things for our company, our customers and our community. It’s kind of our thing.

  • Speak Up:

    We expect every single teammate to lean in, voice opinions, collaborate and break down silos. We take risks, embrace failure and respectfully challenge the status quo so we can continue to improve, progress and grow.

  • Growth Culture:

    The sky is the limit! Eager to grow your career? Perfect. We’re eager to help you. We’re looking for teammates who take ownership of their learning and development, and we’ll provide the tools and resources to help you get there.  

 

Why ASB?

 

We Make Dreams Possible

1. We Make Dreams Possible

We take pride in helping customers at every major stage in their lives, from going to college and buying their first home, launching and growing their small business to planning for retirement.

2. Awesome Teammates

From the moment you’re hired, you’re part of the ASB Dream Team.  We are high performers and eager collaborators. We work hard to make banking easy for customers, drive innovation within our industry, and challenge the status quo. Oh, and we’re really fun to work with, too! Who said banks are boring?

Awesome Teammates
Best Places to Work

3. Best Places to Work

It takes work to have this much fun — and we’ve got the plaques to prove it. ASB has been named one of Hawaii’s best employers for 14 straight years. Perhaps it’s because our teammates use words like “unstuffy,” “rewarding,” “open” and “exciting” to describe our company culture. 

4. All About the Bennies

We offer some of the best benefits in the state that are available from your very first day of employment. In addition to our robust health care coverage, teammates love our generous paid-time off program, birthday holiday, parental leave, student loan repayment, 401K match on your start date and pet insurance, just to name a few.

All About the Bennies
Serious About Community Service

5. Serious About Community Service

Giving back to the community is part of who we are. You’ll have lots of opportunities to develop skills, meet new people and volunteer through our many Seeds of Service activities. Let’s work together to bring real impact to our community!

6. Grow With Us

The possibilities are endless for motivated individuals who are eager to work hard, learn new things, and grow with us. We offer motivated individuals stretch projects to explore different career paths and develop new skills.

Grow With Us
We Develop Strong Leaders

7. We Develop Strong Leaders

We are committed and invested in developing our rising stars. We offer skills-building and leadership development training, as well as targeting programs designed to identify up and comers and foster a positive environment of collaboration and growth.

8. Live Your Best Life

We love taking care of our teammates and we have lots of resources to do so. Our award-winning LifeBalance program focuses on improving your overall health and well-being. We offer engaging activities and challenges to help you reach your goals, weekly fitness classes and wellness tips sent right to your inbox to help you invest in your wellbeing. 

Live Your Best Life
We Develop Strong Leaders

9. Appreciation is Part of Our DNA

We know where our success comes from: YOU! Our teammates are the true champions of our company, so we make sure to celebrate, recognize and reward them all year long. From teammate appreciation month to an annual epic bank-wide party, we go all out to honor our amazing crew. 

10. The Hype is REAL

We genuinely care. We care about our teammates, we care about our customers, and we care about our community. We’ve perfected the work-hard/play-hard routine, and have an excellent reputation in Hawaii—and we plan to keep it that way. 

The Hype is REAL

 

Benefits

We value each person on our team with exceptional benefits, including:
  • Weekly Paydays - Enjoy the ease and security of a weekly paycheck.
  • Casual Dress Code - Looking good and feeling good has never been so easy.
  • Birthday Holidays - We celebrate you! Enjoy time off every year on this very important day.
  • Free On-Site Fitness Classes (at certain locations)

 

Interview Tips
 

Interview Tips

 

Awards

We match our exceptional customer experience with a teammate experience that has garnered local and national awards. ASB has been recognized locally as one of the “Best Places to Work” by Hawaii Business Magazine for 14 consecutive years and honored nationally as one of the “Best Banks to Work For” by American Banker Magazine. 

Disclosure: The foregoing information is presented as a matter of information only. As our business and customer needs change, our practices, policies and benefits may change as well. For that reason, please understand that nothing on this page should be construed as creating an employment contract, express or implied, or any other agreement between you and ASB.

  • America's Best-In-State Banks, Forbes, 2018, 2019, 2021, 2022, 2023, 2024
  • America's Best-In-State Employers, Forbes, 2023
  • America's Best-In-State Employers for Diversity, Forbes, 2024
  • America's Best Midsize Employers, Forbes, 2024, 2023, 2022, 2021, 2019, 2018
  • America's Greatest Workplaces, Newsweek, 2024
  • America's Greatest Workplaces for Diversity, Newsweek, 2024
  • America's Greatest Workplaces for Mental Wellbeing, Newsweek, 2024
  • Best Bank, Honolulu Magazine Best of HONOLULU, 2023
  • Best Employer for Women, Forbes, 2023 & 2022
  • Best Place to Work, Hawaii Business Magazine, 2023, 2022, 2021, 2019, 2018
  • Most Family-Friendly Company, Hawaii Business Magazine, 2023
  • Best Place to Work for LGBTQ+ Equality, Hawaii Business Magazine, 2023 & 2021
  • Exceptional Community Bank Service Award, ICBA Independent Banker, 2022
  • Business of Pride, Pacific Business News, 2022
  • The Best Employer for Veterans, Forbes, 2021, 2022, 2023
  • Best Banks to Work For, Amercian Banker, 2022, 2021, 2020, 2018, 2016, 2015, 2014, 2013
  • 100 Companies That Care, PEOPLE, 2021
  • WELL Health-Safety Rating, International WELL Health-Safety Rated, 2024, 2023, 2022, 2021, 2020
  • World's Best Bank, Forbes, 2020
  • Fit-Friendly Worksite Health Achievement, American Heart Association, 2020, 2019, 2018, 2015, 2014, 2013, 2012, 2011
  • Great Place to Work for Diversity, Fortune, 2019, 2016, 2015
  • Greatest Workplaces for Diversity, Newsweek, 2024
  • Community Commitment Awards, American Banker Association Foundation, 2020 (Honorable Mention) & 2017
  • Workplace Health Achievement, American Heart Association, 2020, 2019, 2018, 2015, 2014, 2013, 2012, 2011
  • Best Workplaces for Diversity, Fortune Magazine, 2019, 2016, 2015
  • America’s Best Employers for New Grads, Forbes, 2018
  • Healthiest Employers, Pacific Business News, 2016, 2015, 2014, 2013, 2012
  • Healthiest Workplace Large Company, Hawaii Business Magazine, 2013-2016
  • Psychologically Healthy Workplace, APA Center for Organizational Excellence, 2016, 2014, 2012, 2010
  • 10 Best Workplaces for Asian Americans, Fortune Magazine, 2016, 2015
  • Healthiest Workplace Large Company, Hawaii Business Magazine, 2016, 2015
  • Hawaii's Best Workplaces, Pacific Business News, 2016
  • Heathiest Employers & Healthcare Heroes, 2012-2016
  • Best Workplaces for Women, Fortune, 2015


What happens once I submit an application?    
A recruiter will review your resume and if you are a fit for the role, will reach out to schedule a phone screen to get to know you more.

Who will be reaching out?    
Our ASB recruiter will be your main point of contact throughout the entire hiring process.

What if I don’t qualify?    
Even if you’re not selected for the role you applied for, our recruiters will see if there’s another role that might suit you based on your qualifications. We’ll reach out to you and present the new opportunity to gauge your interest.

How can I check the status of my application?    
You can check your application status by logging into ADP at any time.

When will you notify me about your decision?    
Whether or not you’ve been selected, we’ll typically update you within a couple of days. This may be delayed if we have several candidates interviewing for the same role because we sometimes prefer to complete the entire round of interviews before making any decisions.

Can I apply for multiple jobs?    
Yes you can! We highly encourage you to apply for the job that matches your skillset and what you would like to do. Our recruiters have an overview of all open positions and will consider you for all roles that might be a good fit. If a recruiter contacts you for a phone call, please use the time to share your unique experience and accomplishments that may not be listed on your resume so we can make sure that you will be happy in the role you are interviewing for and that it’s the right fit!

Will you let me know when a job has been filled?    
Absolutely! We are committed to keeping you informed every step of the way.

I interviewed/applied and wasn’t accepted. May I apply again?    
Yes, you may continue to apply for any position that you feel is right for you. Should you be selected for a phone interview by a recruiter, please use the opportunity to share how you feel your experience and skills will be an asset to the role.

Disclosure: The foregoing information is presented as a matter of information only. Our hiring practices sometimes change. As such, the foregoing should not be construed as creating an agreement, express or implied, between you and ASB.

Contact Us


ASB Recruitment Hotline:
(808) 538-2000
 
Please call our ASB Recruitment Hotline if you need additional assistance with searching our job openings or completing our application.

Featured Roles

 

Seeds of Service

ASB Dream Team

Soft Serve Fridays

Facilities Management Team

ASB Dream Team

Turkey Drive

Heroes

 

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