Commercial Underwriter and Portfolio Manager

Job Details

Job Location:

Mortgage and Business Services Center – El Paso, TX 79925

Position Type:
Full Time

Raiz FCU is a community‑focused credit union serving El Paso since 1936.

This position reports to the Business Services Operations Administrator and serves as the Commercial Portfolio Manager / Underwriter. The role independently reviews loan underwriting for real‑estate secured and non‑real‑estate secured loans, prepares underwriting summaries, and assists commercial lenders with loan presentations and financial analysis.

Location:

Onsite at Raiz Business Services Center, 6610 Continental Dr., El Paso, TX 79925

Compensation:
Salary, commensurate with experience

Hours:

Monday through Friday, occasional Saturdays

• Bachelor’s Degree in Business Administration or related field
• Thorough knowledge of credit products, commercial lending policy, applicable laws and regulations, and credit quality standards
• Minimum 5+ years of credit analysis and/or loan review experience, preferably in banking, with 8 years of related lending experience
• Strong analytical skills and the ability to interpret complex financial information and identify risk
• Ability to manage multiple transactions simultaneously and prioritize assignments to meet deadlines
• Excellent communication skills, strong business writing, and an entrepreneurial mindset
• High integrity, detail‑oriented, and ability to evaluate and mitigate risk
• Proficient in Microsoft Office, with Excel Pivot Table knowledge a plus
• Previous credit union experience is a plus

• Review and analyze financial statements, prepare loan presentations, and assist commercial lenders with loan committee presentations.
• Perform financial statement spreading and analysis on new and existing loan relationships.
• Evaluate creditworthiness of borrowers and guarantors by assessing cash flow and debt serviceability.
• Conduct market analysis for each loan presentation based on the borrower’s industry.
• Calculate financial ratios from financial statements and data provided.
• Provide recommendations on loan structures, payment plans, and interest rates to commercial lenders.
• Assist in writing clear and concise loan presentations that adhere to prudent underwriting standards.
• Ensure compliance with credit union policies, procedures, and applicable regulations.
• Communicate with borrowers, guarantors, controllers, and accountants to gather additional information and interpret financial statements.
• Provide guidance and answer questions related to credit union services, supporting cross‑selling efforts and problem resolution.
• Maintain working relationships with credit union personnel, lending team, and management.
• Comply with BSA rules, CIP, and attend required annual BSA and compliance training.
• Assist with business loan portfolio oversight, including tickler reports, monthly and quarterly reporting, and chairing business services policy.
• Carry out additional duties as assigned.