Commercial Loan Portfolio Manager

Job Description

Job Description

We are looking for a Commercial Loan Portfolio Manager to support a growing credit union’s commercial lending team near Central, Massachusetts. This position is well suited for a detail-oriented banking specialist who can evaluate borrower financial performance, identify credit risk, and help maintain a sound commercial loan portfolio. The role combines portfolio oversight, credit analysis, and close partnership with lenders to support thoughtful credit decisions and strong member service.

Responsibilities:

• Oversee the ongoing collection, review, and maintenance of borrower financial records to keep portfolio data complete and current.

• Evaluate commercial relationships for repayment capacity, collateral strength, covenant performance, and changes in overall risk profile.

• Conduct recurring portfolio reviews and assist with renewals to ensure lending relationships remain appropriately structured and monitored.

• Prepare thorough credit assessments by analyzing financial statements, tax returns, cash flow trends, projections, and supporting collateral information.

• Review real estate operating performance, including revenue, expenses, and debt service coverage, to assess property-backed lending requests.

• Develop well-organized credit memoranda, portfolio commentary, and management reporting that clearly present findings and recommendations.

• Examine modification requests, exception items, maturity exposure, and documentation gaps, and escalate concerns when needed.

• Provide analytical support to commercial lenders and lending committees while assisting with audits, regulatory reviews, and concentration reporting.

• Meet with applicants or borrowers as appropriate to help assess creditworthiness and support relationship development opportunities.

• 3–5 years of experience in financial analysis within a banking or credit union environment.
• Practical knowledge of commercial credit evaluation, underwriting principles, and portfolio risk monitoring.
• Ability to interpret financial statements, tax documentation, cash flow performance, and collateral data with a high degree of accuracy.
• Familiarity with commercial real estate lending concepts, including property income analysis and debt service coverage review.
• Strong organizational skills with careful attention to detail and the ability to manage multiple deadlines effectively.
• Sound judgment and confidence in forming recommendations based on financial and credit information.
• Clear written and verbal communication skills for presenting analysis to lenders, committees, and leadership.
• Detail-oriented, dependable, and collaborative approach with the initiative to work independently when needed.