AVP - Commercial Portfolio Officer
About The Position
FAIRWINDS Credit Union is seeking an experienced Assistant Vice President, Commercial Portfolio Officer to oversee the health and performance of their commercial loan portfolio, support loan participation activities, and identify emerging risks and opportunities. This role involves partnering with Commercial Credit, Risk Management, Portfolio Management, and external financial institutions to ensure sound portfolio administration, strong credit quality, and compliance with regulatory and organizational standards. The ideal candidate will enjoy analyzing complex credit relationships, monitoring portfolio performance, and building strong industry partnerships.
Requirements
- Bachelor's degree in Finance, Accounting, Business Administration, or a related field required.
- 5+ years of experience in commercial lending, commercial credit, portfolio management, or a related financial services environment.
- Strong commercial credit analysis and financial statement analysis skills.
- Knowledge of accounting principles and financial reporting.
- Strong written and verbal communication skills with the ability to effectively collaborate across departments and with external partners.
Nice To Haves
- Experience with commercial real estate (CRE), commercial and industrial (C&I) lending, portfolio monitoring, or credit risk management preferred.
- Experience with loan participations, syndications, or shared credit structures preferred.
- Formal credit training is a plus.
Responsibilities
- Serve as the primary commercial credit resource for participation and syndication activities, including opportunity evaluation, due diligence, transaction analysis, partner coordination, and ongoing portfolio monitoring.
- Analyze the financial condition, creditworthiness, and risk characteristics of originating and participating financial institutions.
- Administer purchased and sold loan participations, including financial reporting review, covenant monitoring, servicing communication, and issue escalation.
- Monitor portfolio performance and analyze trends related to concentrations, asset quality, risk migration, industry exposure, and maturity profiles.
- Prepare portfolio reports, credit summaries, risk assessments, and recommendations for executive leadership and loan committees.
- Support commercial portfolio risk oversight by monitoring criticized and classified relationships and escalating material concerns as needed.
- Build and maintain strong relationships with participation partners, originating institutions, and other external stakeholders.
- Identify emerging portfolio risks, trends, and control concerns and communicate findings to leadership.
- Ensure compliance with Credit Union policies, loan participation requirements, and applicable regulatory guidance.
Benefits
- 11 paid holidays
- Generous paid time off
- 6% 401(k) match
- $700 annual contribution to Health Savings Account
- Comprehensive maternity leave program
- Medical insurance
- Dental insurance
- Vision insurance
- Disability insurance
- Life insurance
- Leadership development
- Tuition assistance
- Advancement opportunities
- Rewards for financial wellness through Debt Free Club and Dave Ramsey’s SmartDollar program
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
