There is no crewperson to hire at Golden Harbor.
The crew can be found at these locations:
Shipwright - Dragon Cove (Shipbuilder)
Cargo Master - Bouffant Bay (Willard's Warehouse)
Navigator - Parrot Port (Petey's Pub)
Cannoneer - Pirate Outpost (Corsair Cannonry)
Skullduggery Island.
The bank on Skullduggery Island is the Golden Harbor Bank, located in the Arabic-themed port at the lower right on the island map.
golden harbour i think
golden harbor does
golden harbor
Use your raft to sail to Golden Harbor.
It is the sixth, small island that is foggy. It is the real "Skullduggery island". It is just southeast (down and right) from the Pirate Outpost, and directly west (left) of Golden Harbor. It will appear on the map formed when you collect all five map pieces. (see related question)
"Cash" on Skullduggery Island is your doubloon count. You earn doubloons by salvage or by trading, and you can borrow some from the Golden Harbor bank. When you buy cargo, you spend your cash, and when you sell it, you make a profit. If your ship is sunk, you lose aprt of your doubloons and part of your cargo. You need doubloons to buy larger ships and hire skilled crewmen. (see related question)
The giant gold-colored tooth is in the rock skull of the Pirate Outpost. The golden tooth hides one of the map pieces.
It's not really a harbour made out of gold but it's on the island skullduggery. Sail out of the main island into the island which is in the top left corner on the map. Hope this helped.
You repay the loan (in full only) at the same place you borrow it. The loan officer is upstairs in the Golden Harbor Bank at Golden Harbor.
The archway is right to the right of the trading post in the golden harbor. You need to turn the lights on and off according to the combination.