Commercial Portfolio Specialist Job Phoenix area,Arizona USA,Finance & Banking

Join Us in Making an Impact

At OneAZ Credit Union, our success is measured only by yours. We're here to create lasting change in the lives of our members, our communities, and our team. If you're looking for a career with purpose, where your work truly matters-you've found it!

Who You Are

You're impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well-being. You take accountability for our success and thrive in an environment where curiosity is celebrated. If this sounds like you, let's build something great together.

What You'll Do

This position will be located at our Corporate Office: 2355 W Pinnacle Peak Rd, Phoenix, AZ 85027

The Commercial Portfolio Specialist is responsible for managing all aspects of the existing commercial loan portfolio. This role ensures portfolio quality, supports risk management efforts, and provides ongoing reporting and analysis.

Portfolio Management & Loan Reviews:

Complete periodic commercial loan and relationship reviews within established timelines.

Ensure loan files are current and complete, including all required financial and supporting documentation.

Spread and analyze borrower and guarantor financial statements.

Identify financial or operational exceptions and prepare related default communication.

Confirm borrower performance aligns with loan terms, including usage, indebtedness, and deposit expectations.

Maintain updated due diligence (UCC searches, background checks, credit reports, STR reports, etc.).

Tickler & Documentation Management:

Oversee the accuracy and integrity of the financial document tickler system.

Distribute periodic tickler reports to lending staff and leadership.

Manage member correspondence related to upcoming and past due tickler items.

Renewals:

Monitor maturing loans and communicate proactively with lenders.

Ensure updated financials and file documentation are complete prior to renewal.

Prepare renewal credit requests and support action plans for loans showing signs of deterioration.

Reporting & Analytics:

Compile and prepare quarterly board reporting.

Support maintenance of the quarterly Problem Loan Report and weekly delinquency review.

Maintain interest rate stress testing reports.

Audit & Regulatory Support:

Ensure loan portfolio files are audit-ready for internal, regulatory, and third-party reviews.

Maintain organized, well-labeled files and ensure documentation gaps are accurately reflected in the tickler system.

Compliance

Adhere to all applicable policies, laws, and regulations, including BSA, AML, USA Patriot Act, and OFAC requirements.

What You Bring

H.S. Diploma Required
Bachelors Degree Preferred
3-5 years similar or related experience required
Demonstrated experience with commercial lending, including term loans, commercial real estate, construction, SBA, and lines of credit.
Strong organizational and analytical skills.
Proven ability to manage deadlines and deliver accurate reporting.
Demonstrated ability in commercial lending including, but not limited to, term loans, commercial real estate, construction, SBA and lines of credit.
A passion for people, innovation, and growth.

Compensation & Benefits

Generous paid time off: paid holidays, floating holidays, personal days, vacation days, plus sick time
Low-cost Medical, Dental & Vision plans
Paid childcare assistance
Award-winning 401K
Gym fee reimbursement
Tuition Reimbursement
Student loan repayment
...and much more. Explore all the details in our comprehensive Benefits Booklet
Target hiring range $84-$105/K (Depending on experience and prior to any incentives this position is eligible for)

Why Join OneAZ?

At OneAZ, we're not just a credit union; we're a financial trailblazer that passionately cares about inspiring dreams and driving prosperity in the communities we serve. We exist to clear the way for dreamers and doers, aspiring to be the bank for new pioneers.

We are driving change in our communities, constantly improving our products and services so our members and their families can relentlessly pursue their dreams. By embodying our values and living our promise, you'll be part of a team committed to exceeding expectations and redefining what's possible.

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