Commercial Portfolio Manager

Who We Are:

At Community Financial Credit Union, we believe in more than just banking, we believe in people. We are looking to build a community of forward-thinking team members who share our values towards providing exceptional member experiences and financial empowerment through our best-in-class products.

We've been recognized as one of the Regional Best and Brightest companies for the last 20 years and nationally recognized since 2018. We have been certified as a Great Place To Work since 2023 and as of 2024, we were also recognized as the Best and Brightest in Wellness
, reflecting our deep commitment to our team members and the communities we serve.

The Commercial Portfolio Manager is responsible for managing and servicing a portfolio of commercial loans. This position monitors and analyzes credit quality and loan exposure for their assigned commercial loan portfolio. The Commercial Portfolio Manager performs credit analysis and annual reviews, while assisting Commercial Credit Analysts on complex loan transactions as needed. In collaboration with the Commercial and the Business Experience teams, the Commercial Portfolio Manager is responsible for maintaining financial statement collection compliance within a tolerance level, keeping matured loans to a minimum, assisting in loan collection by proactively reducing delinquent loans through collection efforts when necessary.

This position has a starting hourly rate of $39.57
, but your offer amount may be increased with relevant work experience and transferable skills.

• Monitor the credit performance of assigned commercial loan portfolios. Coordinate with servicers and Business Relationship Officers on modifications, financial ticklers, covenants, and documenting & tracking annual reviews.
• Perform annual reviews as required. Collect and review financial statements, tax returns, rent rolls, personal financial statements, loan document exceptions, and other documents as required by annual reporting policy.
• Monitor upcoming renewals. Prepare loan modifications and servicing action requests for approval. Obtain and review legal documents to ensure that renewals and modifications are properly documented and closed timely.
• Limit the credit union's risk of losses by monitoring the quality of the loan portfolio and keeping management informed of potential losses, trends, and compliance problems.
• Perform commercial underwriting when needed and prepare credit memorandums on new requests and annual reviews. Loan types include construction & development loans, commercial real estate loans, term loans, line of credit, business acquisition loans, accounts receivable loans, letters of credit, unsecured loans and lines, business credit cards, and loans carrying the Small Business Administration guaranty.

• High school diploma or equivalent.
• 5 years of experience in Commercial Lending as a Credit Analyst, Underwriting Specialist, Portfolio Manager, or Relationship Manager.
• 3 years of construction and development experience as it relates to portfolio management.
• 2 years of experience in a position that includes member contact and communications.
• Experience in identifying, addressing, and negotiating risky situations. This includes knowing when to elevate them to the appropriate individuals.
• Working knowledge of the financial services industry, financial products, and federal & state banking regulations.
• Advanced knowledge of commercial loan structuring, underwriting, credit, and documentation.
• Strong knowledge of loan agreements, assumptions, accounting, loan structuring, and collateral procedures.
• Thorough understanding of risks (such as the market, rates, and leverage) related to the lending process.
• Proficiency using Excel, Word, and PowerPoint.

• Bachelor's degree.
• Formal credit training.

We believe in creating a Culture of Belonging guided by our core values:
Relentless Care, Hustle & Grind, Huzzah! and Curiosity.

• Comprehensive medical, dental, and vision plans
• Four weeks of PTO for all full-time team members
• Up to 12-weeks paid paternity/maternity leave
• Lifestyle Accounts to help with your personal wellbeing
• Family Health Benefits
• Paid time off to observe all Federal Holidays
• Flexible work options, including flex scheduling and work from home for many positions
• A generous 401k match
• Numerous employee engagement activities
• Community Resource Groups
• Paid time off for occasions such as volunteering, caregiving, and family events

If this description appeals to you, please submit an application! A member of CFCU's Talent Acquisition Team will be in contact with you shortly!

Community Financial Credit Union is an equal opportunity employer (M/F/D/V). We recruit, employ, train, compensate, and promote without regard to race, religion, creed, color, national origin,…