Commercial Loan Portfolio Manager

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Management Pensacola, FL, US

Since 1936 Pen Air® Credit Union has been the catalyst where community, resources, and impact come together and produce a powerful force for good. We have a unique culture and we’re passionate about it. Grown from the values we hold most dear, three guiding principles shape how we see the people we serve, the community around us, and our role within it.

These guiding principles are Respect, Service, and Communerosity® and they’re woven throughout our culture.

Pen Air is where people and community, resources and expertise align with your values to create real impact. Generational impact through strong financial education and support. We care about the things you care about. As the largest and oldest credit union in Pensacola, Florida, with more than $2.8 billion in assets, our purpose is to enhance the lives of those we serve in the Florida Panhandle, Southern Alabama, and Virginia.

Do you have a passion for helping others? Currently, Pen Air provides access to 15 convenient locations across Mobile and Baldwin counties in Alabama and Escambia, Santa Rosa, Okaloosa and Bay counties in Florida. Join us and become a powerful force for good - after all we live, work, and play here too.

Take control of your future by mapping out a career king with us means you can shape your professional experience to suit your dreams. We offer valuable resources that provide you the opportunity to build upon and strengthen your skills. Whether it be a career path in advising our members directly on products and services, guiding them through major purchase decisions on a home or vehicle, or even helping build the technology and processes behind the scenes, there is a place for everyone at Pen Air!

Success looks different for everyone. Where will your journey take you?

Just like we strive to be a force for good at work, Pen Air works just as hard to supply employees with a total rewards package that includes competitive salaries and meaningful benefits.

• Up to $15K available for continuing education
• Student Loan Paydown
• Adoption Assistance Reimbursement
• Wellness Programs
• Gym membership reimbursement
• Financial Wellness Resources
• Purchase assistance with computers and fitness equipment.

• Generous PTO Plan—20 days for new hires
• Paid Maternal & Parental Leave
• Competitive Retirement Plan
• Company paid Short Term Disability

The Commercial Loan Portfolio Manager is responsible for supporting the ongoing administration, monitoring, and risk management of Pen Air's commercial loan portfolio. This position works closely with Commercial Market Executives, Commercial Lenders, Credit Administration, and Loan Operations to ensure commercial loan relationships are properly monitored and serviced throughout the life of the credit.

Portfolio Administration and Credit Monitoring

• Manage and monitor an assigned portfolio of commercial loan relationships.
• Complete annual reviews, interim financial analyses, and portfolio updates within established timelines.
• Analyze borrower financial statements, tax returns, rent rolls, borrowing base reports, and other financial information.
• Monitor loan covenant compliance and communicate exceptions to appropriate leadership.
• Maintain accurate risk ratings and recommend changes when warranted.
• Identify emerging credit concerns and elevate issues proactively.
• Track portfolio…