Department: Business Services
Reports To: Commercial Credit Ops and System Manager
Classification: Exempt
Role:
The Commercial Portfolio Manager oversees an assigned portfolio of commercial lending relationships, ensuring ongoing financial health, risk management, regulatory compliance, and adherence to credit union policies. This role partners closely 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.
Essential Functions & Responsibilities:
25% Manages an assigned portfolio of commercial lending relationships by monitoring borrower performance, financial condition, collateral, and overall credit quality. Identifies emerging credit risks, maintains accurate risk ratings, analyzes portfolio trends and exceptions, and proactively communicates significant changes in credit risk while partnering with Relationship Managers, Credit Administration, and leadership to support portfolio health and sound risk management.
15% Supports the ongoing management of commercial credit risk by identifying and monitoring higher-risk lending relationships, participating in problem-loan oversight, and assisting with risk mitigation strategies. Collaborates 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 to protect the Credit Union's interests.
15% Monitors commercial loan and line-of-credit maturities to ensure timely renewal, extension, modification, and refinance activities. Partners 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.
10% Monitors commercial loan covenant compliance and ongoing loan requirements by tracking financial reporting, insurance, collateral documentation, appraisals, environmental reports, and other loan conditions. Works closely with Commercial Loan Specialists and Credit Analysts to identify and resolve exceptions, maintain accurate monitoring systems, and ensure borrowers and internal partners provide required information in a timely manner to support compliance and portfolio quality.
10% Monitors and evaluates collateral supporting commercial lending relationships by reviewing appraisals, insurance, title information, lien filings, inspections, and other collateral documentation. Assesses commercial real estate collateral performance, identifies potential deficiencies or risks, recommends corrective actions, and assists with inspections and site visits to help protect the Credit Union's collateral position and overall credit quality.
10% Partners with the Relationship Manager by participating in borrower and prospect meetings as appropriate. Identifies opportunities to deepen existing member relationships. Identifies potential deposit, treasury management, and other Business Services opportunities. Provides exceptional service to commercial members while maintaining appropriate credit discipline.
5% Stays current on applicable regulations, business loan policies, operational controls, business products, and services, and ensures loan files are in compliance according to policy requirements. Adheres to Bank Secrecy Act (BSA), Anti-Money Laundering (AML), OFAC, CIP, HMDA, and all applicable regulatory requirements. Supports internal audits, regulatory exams, loan reviews, and other independent reviews and assists with resolving loan review findings.
5% Provides excellent member service to internal and external staff and members and handles problem resolution for loan documentation and servicing issues.
5% Proactively performs other duties including projects as needed or assigned.
Knowledge & Skills:
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 elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation. Should possess the ability to build rapport and credibility to effectively communicate with members and serve as lead with the credit union 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.
Physical Requirements:
Some lifting required (up to 30 pounds), continuous standing and occasional walking. Finger dexterity while using 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:
This job is an exempt position that requires flexibility in scheduling tasks and projects. The employee must independently monitor hours and judge the time needed to be spent on applicable duties. Employee must be capable of adjusting to unpredictable schedules proactively. As a direct representative of the credit union, the employee must conduct and present themselves courteously and professionally. Exposed to potentially hazardous conditions, i.e., robbery. Travel to all credit union regions may be required.
Disclaimer:
Rogue Credit Union is a drug free workplace and requires a drug screening test within 48 hours of employment offer.
This Job Description is not a complete statement of all duties and responsibilities comprising the position.
