Portfolio Specialist; Commercial Portfolio Manager) Troy, MI

Founded by a small group of educators, Michigan Schools & Government Credit Union (MSGCU) has been providing quality financial services to the community for over 70 years and welcomes everyone living in Michigan to bank with us. We are financial champions committed to helping our members achieve financial success by rallying behind them and their goals. As the sixth largest Credit Union in Michigan, MSGCU has 24 branch offices in Southeast Michigan, over 500 team members, more than 165,000 members, $4.4 billion in assets, and has earned an average 97% member satisfaction rating for more than 20 years.

We are a caring organization that strives to ensure an equitable and inclusive culture where everyone is valued and respected. Our dedication to team member engagement has contributed to the honor of being named a Top Workplace by the Detroit Free Press 14 years in a row.

If you have a passion for helping people and providing exceptional and dependable service, we want you on our team!

Information about our comprehensive total rewards package can be found here .

• Overview of Responsibilities: Monitors the credit quality of the commercial loan portfolio through regular financial reviews, delinquency tracking, and adherence to policies. Conducts site visits, supports loan renewals, and prepares risk reporting for leadership review. Evaluates portfolio trends such as risk migration, collateral concentrations, and loan mix to provide strategic insight that strengthens overall portfolio management.
• Annual Financial Reviews :
  Collects and reviews borrower financials and supporting documents required for annual credit assessments to ensure complete and accurate packages. Provides MSGCU with the information necessary to make sound credit decisions and maintain portfolio quality. Verifies that cash flow remains sufficient under loan terms to provide early visibility into changing financial trends. Submits complete accurate packages to Michigan Business Connection (MBC) to ensure transparency and alignment between MSGCU and MBC.
  
  Contacts members to obtain missing documentation and identifies concerns that may affect risk ratings. Proactively addresses issues to allow MSGCU time to correct them before risk classifications are adjusted.
• Delinquency Monitoring :
  Monitors monthly delinquency reports to identify accounts requiring attention to ensure timely action that minimizes loss exposure and protects overall portfolio performance. Contacts members to resolve delinquent payments and ensures issues are corrected proper follow-up to support repayment, maintain accurate account terms and protect portfolio performance. Reviews accounts for compliance with organizational policies and notifies stakeholders when action is required to ensure regulatory requirements are met, account structures are accurate, and required documentation is properly maintained.
• Risk Reporting :
  Coordinates loan renewal reviews to assess updated member information and evaluate creditworthiness. Provides recommendations for approval or modification that maintain portfolio balance, ensure an appropriate risk mix, and align collateral types with organizational objectives. Analyzes portfolio trends such as risk rating migration, collateral concentration, and participation versus originated loan performance to identify emerging risks and inform long-term portfolio strategy. Conducts annual site visits to verify property conditions and provide MSGCU with an accurate understanding of collateral supporting the loan portfolio.
  
  Documents findings and submits results to MBC to ensure timely and accurate risk classification
• Member Relationship Management :
  Supports loan renewals and site visits by compiling performance data from member…