SBA​/Commercial Portfolio Specialist

Sba/Commercial Portfolio Specialist

Redwood Credit Union is looking for an SBA/Commercial Portfolio Specialist, who will prepare SBA and commercial annual portfolio analysis in accordance with the Credit Union's underwriting guidelines and influences the quality of credit through adherence to same. This classification requires overall knowledge of the loan requirements for SBA and commercial lending, with a demonstrated ability to perform research activities and loan portfolio analyses.

Drafts annual reviews including analysis of financial and other information, and presentation in a concise and accurate written form as prescribed by Credit Union. Additionally, this position will assist with the administration of the loan portfolio.

• Analyzes ongoing credit worthiness, including annual review of tax returns, financial statements, credit reports, and other relevant information.
• Prepares draft annual review and spreadsheets.
• Ensures all loan covenants and regulatory requirements are being upheld.
• Ensures compliance with pertinent government rules and regulations.
• Must be able to thoroughly analyze and make risk rating recommendations for simple and complex SBA and commercial real estate credits on an independent basis and demonstrate solid decision-making abilities.
• Identifies and evaluates portfolio risk.
• Maintains a complete understanding of RCU credit policy and SBA eligibility requirements under the SBA 7(a) and 504 guaranteed loan programs, with ability to assist others with related questions and research independently for unknowns.
• Assists with the administration of the loan portfolio by maintaining the annual review log and contacting Members to request financial information or documentation.
• Ability to work independently with minimal supervision.
• Highly developed analytical skills for making sound credit decisions.
• Provide exceptional service to all Members, volunteers, internal employees and service providers.
• Answer Member questions as they relate to Business Service deposits and loans.

Join us and discover why you'll love working at Redwood Credit Union!

About Redwood Credit Union (RCU):
At Redwood Credit Union, our mission is to passionately serve the best interests of our Members and communities. Since 1950, we have been dedicated to supporting the financial well-being of our Members through better rates, low or no fees, and best-in-class customer service. Our purpose is to inspire hope and elevate the financial well-being of our communities one person at a time, through good times and bad.

As a not-for-profit financial institution, we are committed to a people-first approach, which is reflected not only in how we serve our Members, but also in how we treat our employees. Our leadership team is deeply focused on fostering a culture of heart and empathy, integrity, passion, inclusion, meaningful relationships, excellence, and ensuring financial well-being for all.

Why work for Redwood Credit Union?

• 25th largest credit union in the U.S. and the largest financial institution based in the North Bay
• Recognized by Newsweek as one of "America's Best Credit Unions 2026"
• Awarded a 5-Star Bauer Rating
• Recognized by Newsweek as one of "America's Greatest Midsize Workplaces 2025"
• Top Corporate Philanthropists (#24) - San Francisco Business Times
• Voted Best Places to Work in the North Bay 20 years in a row
• World-class Employee Engagement scores
• Rated Superior in Service by more than 90% of Members, surveyed by SF Gate
• Industry leading Net Promoter Scores across the U.S.

Minimum Qualification:

Knowledge,

Skills and Abilities

• Current knowledge of all laws, rules and regulations pertaining to business/SBA lending and compliance.
• Excellent written and verbal communication skills.
• Flexibility and ability to prioritize and handle multiple tasks.
• Ability to work effectively under deadlines and stress.
• Ability to manage time effectively.
• Knowledge of financial institution business services including lending methods and services.
• Knowledge of asset, liabilities, credit dynamics in a business services lending environment.
• Skill in the operation of a personal computer and word processing, spreadsheet and presentation…