Commercial Loan Portfolio Manager

Overview

The organization is seeking a Commercial Portfolio Manager to oversee an assigned portfolio of commercial lending relationships. This exempt role focuses on ensuring ongoing financial health, risk management, regulatory compliance, and adherence to credit union policies. The position partners with internal stakeholders to monitor borrower performance, analyze financial and covenant compliance, identify emerging credit risks, and recommend strategies to mitigate risk while maintaining well-structured and properly documented credit relationships.

Responsibilities

• Portfolio management (25%): Monitor borrower performance, financial condition, collateral, and overall credit quality. Identify emerging credit risks, maintain accurate risk ratings, analyze portfolio trends and exceptions, and proactively communicate significant changes in credit risk with Relationship Managers, Credit Administration, and leadership to support portfolio health and sound risk management.
• Commercial credit risk support (15%): Identify and monitor higher-risk lending relationships. Participate in problem-loan oversight and assist with risk mitigation strategies. Collaborate with Relationship Managers, Credit Administration, Member Solutions, and other stakeholders to develop and monitor action plans, recommend loan structure or covenant modifications, and ensure timely follow-up on remediation efforts.
• Maturity monitoring (15%): Monitor commercial loan and line-of-credit maturities to ensure timely renewal, extension, modification, and refinance activity. Partner with Relationship Managers and Credit Analysts to evaluate existing credit structures, identify relationships requiring additional analysis or restructuring, recommend appropriate credit modifications, and ensure maturing credit facilities are addressed before expiration.
• Covenant compliance monitoring (10%): Track financial reporting, insurance, collateral documentation, appraisals, environmental reports, and other loan conditions. Work with Commercial Loan Specialists and Credit Analysts to identify and resolve exceptions, maintain accurate monitoring systems, and ensure required information is provided timely by borrowers and internal partners.
• Collateral evaluation (10%): Review appraisals, insurance, title information, lien filings, inspections, and other collateral documentation. Assess commercial real estate collateral performance, identify potential deficiencies or risks, recommend corrective actions, and assist with inspections and site visits to help protect collateral position and overall credit quality.
• Member relationship support (10%): Participate in borrower and prospect meetings as appropriate. Identify opportunities to deepen existing member relationships and potential deposit, treasury management, and other Business Services opportunities. Provide exceptional service to commercial members while maintaining appropriate credit discipline.
• Regulatory and policy compliance (5%): Stay current on applicable regulations, business loan policies, operational controls, business products, and services. Ensure loan files comply with policy requirements. Adhere to Bank Secrecy Act (BSA), Anti-Money Laundering (AML), OFAC, CIP, HMDA, and all applicable regulatory requirements. Support internal audits, regulatory exams, loan reviews, and other independent reviews, and assist with resolving loan review findings.
• Problem resolution and service (5%): Provide excellent member service to internal and external staff and members. Handle problem resolution for loan documentation and servicing issues.
• Other duties (5%): Perform additional duties, including projects, as needed or assigned.

Requirements

• Experience: Five+ years of commercial lending, portfolio management, or related financial institutional experience.
• Education: (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.
• Interpersonal skills: Courtesy, tact, and diplomacy are essential. Ability to build rapport and credibility and effectively communicate with members; ability to lead with employees.
• Other skills: Strong understanding of commercial lending principles and credit risk. Familiarity with loan risk-rating methodologies. Understanding of commercial real estate valuations and collateral evaluations. Ability to independently manage multiple commercial credit relationships and competing deadlines. Strong written and verbal communication skills. Excellent organizational skills and attention to detail. Ability to exercise sound independent judgment within established lending policies and procedures.

Preferred Qualifications

No additional preferred qualifications were specified.

Compensation & Benefits

Classification: Exempt. Compensation and benefits were not specified.

Location

Headquartered in the Rogue Valley, southern Oregon. Services are provided to members in select Oregon, Idaho, and California counties. Travel to all credit union regions may be required.

Physical Requirements

• Some lifting required (up to 30 pounds)
• Continuous standing and occasional walking
• Finger dexterity while using a computer
• Occasional talking and hearing in person and on the telephone
• Continuous clarity of vision at 20 inches or less and continuous clarity of vision at 20 feet or more

Work Environment & Scheduling

Exempt position requiring flexibility in scheduling tasks and projects. The employee must independently monitor hours and judge the time needed for applicable duties, and be capable of adjusting to unpredictable schedules proactively. The role involves potentially hazardous conditions (i.e., robbery).

Compliance & Workplace Requirements

• Drug-free workplace; requires a drug screening test within 48 hours of employment offer.
• Equal opportunity employer.

Disclaimer

This job description is not a complete statement of all duties and responsibilities comprising the position.