Commercial Loan Portfolio Manager

Rogue Credit Union•Medford, OR

About The Position

The Commercial Loan Portfolio Manager oversees an assigned portfolio of commercial lending relationships, ensuring ongoing financial health, risk management, regulatory compliance, and adherence to credit union policies. The role works closely with internal stakeholders to monitor borrower performance, analyze financial and covenant compliance, identify emerging credit risks, and recommend strategies that mitigate risk while maintaining well-structured and properly documented credit relationships. The position supports portfolio health through ongoing credit-risk monitoring, oversight of higher-risk and problem-loan relationships, maturity and covenant tracking, collateral evaluation, and follow-up on remediation and documentation requirements. It also partners with Relationship Managers on member and prospect interactions, relationship-development opportunities, and exceptional service to commercial members. The role supports audits, regulatory examinations, loan reviews, and resolution of review findings. This is an exempt position requiring flexibility in scheduling tasks and projects. The employee independently monitors work hours, anticipates the time needed for duties, and proactively adjusts to unpredictable schedules. Travel to all credit union regions may be required. The employee is expected to represent the credit union courteously and professionally. The workplace may involve exposure to potentially hazardous conditions, such as robbery. A drug screening test is required within 48 hours of an employment offer.

Requirements

Five or more years of commercial lending, portfolio management, or related financial-institution experience.
A two-year college degree, completion of a specialized certification or licensing, completion of specialized vendor training courses, or job-specific skills acquired through an apprenticeship program.
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.
Ability to build rapport and credibility and communicate effectively with members and credit union employees.
Courtesy, tact, and diplomacy in interactions with people inside and outside the organization.

Responsibilities

Manage an assigned portfolio of commercial lending relationships by monitoring borrower performance, financial condition, collateral, and overall credit quality.
Identify emerging credit risks, maintain accurate risk ratings, analyze portfolio trends and exceptions, and communicate significant changes in credit risk.
Partner with Relationship Managers, Credit Administration, and leadership to support portfolio health and sound risk management.
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 follow up on remediation efforts.
Monitor commercial loan and line-of-credit maturities and support timely renewals, extensions, modifications, and refinancing.
Partner with Relationship Managers and Credit Analysts to evaluate existing credit structures, identify relationships requiring additional analysis or restructuring, and recommend appropriate modifications.
Monitor covenant compliance and loan requirements, including financial reporting, insurance, collateral documentation, appraisals, environmental reports, and other loan conditions.
Work with Commercial Loan Specialists and Credit Analysts to resolve exceptions, maintain monitoring systems, and obtain required borrower and internal information promptly.
Evaluate collateral by reviewing appraisals, insurance, title information, lien filings, inspections, and other documentation; identify deficiencies and recommend corrective actions.
Assess commercial real estate collateral performance and assist with inspections and site visits to protect the credit union's collateral position and credit quality.
Participate in borrower and prospect meetings with Relationship Managers as appropriate; identify opportunities to deepen member relationships and potential deposit, treasury management, and other Business Services opportunities.
Provide exceptional service to commercial members while maintaining appropriate credit discipline.
Stay current on applicable regulations, business loan policies, operational controls, products, and services, and ensure loan files comply with policy requirements.
Adhere to BSA, AML, OFAC, CIP, HMDA, and other applicable regulatory requirements.
Support internal audits, regulatory examinations, loan reviews, and other independent reviews, and assist with resolving loan-review findings.
Provide excellent service to internal and external staff and members and resolve loan-documentation and servicing issues.
Perform other duties and projects as needed or assigned.