Commercial Loan Portfolio Manager

Rogue Credit Union•Us, OR

11h•$82,412 - $103,015

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 partners with internal stakeholders to monitor borrower performance, analyze financial and covenant compliance, identify emerging credit risks, and recommend risk-mitigation strategies while maintaining well-structured and properly documented credit relationships. The position monitors borrower and collateral performance, portfolio trends, risk ratings, maturities, covenants, and loan requirements. It supports higher-risk and problem-loan oversight, participates in borrower and prospect meetings as appropriate, and identifies opportunities to deepen member relationships through deposit, treasury management, and other Business Services products. The role also supports audits and loan reviews, resolves documentation and servicing issues, and performs projects or other duties as assigned. This is an exempt role requiring flexibility in scheduling and the ability to adjust proactively to unpredictable schedules. Travel to all credit union regions may be required. The employee represents the credit union professionally and may be exposed to potentially hazardous conditions, such as robbery. Rogue Credit Union requires a drug screening test within 48 hours of an employment offer.

Requirements

Five or more years of commercial lending, portfolio management, or related financial institutional experience.
A two-year college degree, completion of a specialized certification or licensing, 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, communicate effectively with members, and serve as a lead with credit union employees.
Courtesy, tact, and diplomacy in frequent interactions with people inside and outside the organization.
Ability to meet the physical requirements, including lifting up to 30 pounds, continuous standing, occasional walking, computer use requiring finger dexterity, occasional talking and hearing, and continuous clear vision at near and far distances.
Ability to work flexibly, independently monitor work hours, adjust to unpredictable schedules, and travel to credit union regions as required.

Responsibilities

Manage an assigned portfolio of commercial lending relationships by monitoring borrower performance, financial condition, collateral, and overall credit quality; maintain accurate risk ratings, analyze portfolio trends and exceptions, identify emerging risks, and communicate significant changes.
Monitor higher-risk lending relationships and participate in problem-loan oversight; collaborate on action plans, risk mitigation, loan-structure or covenant modifications, and remediation follow-up.
Monitor commercial loan and line-of-credit maturities and coordinate timely renewals, extensions, modifications, and refinancing.
Monitor covenant compliance and loan requirements, including financial reporting, insurance, collateral documentation, appraisals, environmental reports, and other conditions; identify and resolve exceptions and maintain monitoring systems.
Evaluate collateral through review of appraisals, insurance, title information, lien filings, inspections, and other documentation; identify deficiencies and recommend corrective actions.
Assist with collateral inspections and site visits.
Participate in borrower and prospect meetings as appropriate, identify opportunities to deepen member relationships, and identify 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; maintain loan-file compliance and adhere to BSA, AML, OFAC, CIP, HMDA, and other applicable requirements.
Support internal audits, regulatory exams, loan reviews, and other independent reviews, and assist with resolving loan-review findings.
Provide service to internal and external staff and members and resolve loan documentation and servicing issues.
Perform other duties and projects as needed or assigned.