Commercial Portfolio Manager

Horizon Credit Union • Spokane Valley, WA

11d • $31 - $61 • Onsite

About The Position

Serve as a key contributor to the underwriting and portfolio management of commercial relationships, primarily commercial real estate (owner-occupied and non-owner occupied) with SBA 504 exposure, supporting safe and sound credit outcomes, strong portfolio performance, and an exceptional member experience. In this role, you will partner closely with Commercial Relationship Officers (CRO), Business Development Officers (BDO), and Commercial Credit leadership to structure, underwrite, present, and manage commercial credits in accordance with Commercial Loan Policy and assigned authority. Depending on level of hire, you will either support or independently lead underwriting, annual reviews, renewals, and ongoing monitoring, maintain credit quality and risk rating integrity, ensure covenant compliance, and proactively identify and escalate emerging credit risk. The role contributes to portfolio consistency, exam readiness, and disciplined credit governance while supporting relationship growth and risk-adjusted returns.

Requirements

• Bachelor’s degree required (Finance, Accounting, Economics, or related field).
• 1–3 years commercial credit experience (CPM I).
• SBA 504 familiarity preferred (CPM I).
• SBA 7(a) awareness optional (CPM I).
• 4–7 years commercial underwriting and portfolio management experience (CPM II).
• SBA 504 required (CPM II).
• Multi--entity structures required (CPM II).
• 8-12 years advanced commercial underwriting and portfolio management experience (Senior CPM III).
• SBA 504 required (Senior CPM III).
• Extensive experience underwriting and managing highly complex CRE, SBA, participations and multi-entity relationships (Senior CPM III).
• Deep expertise in credit structuring, covenant design, risk mitigation and problem-loan strategy (Senior CPM III).
• Ability to converse with others.
• Ability to detect sound.
• Ability to identify.
• Ability to detect objects.
• Ability to count.
• Ability to read.
• Ability to write.
• Ability to operate a computer.
• Ability to handle and feel objects.
• Ability to reach with hands/arms.
• Ability to be stationary and/or stand and/or move for long periods of time.
• Ability to lift/pull/push and carry up to 25 to 50 pounds occasionally.
• Ability to stoop, kneel, crouch, crawl, climb occasionally.
• Ability to maintain balance doing these activities.
• Sound reasoning.
• Good judgement.
• Ability to apply knowledge toward work activities.

Nice To Haves

• Advanced education or credentials (MBA, CPA, MSA) preferred for CPM II.
• Advanced education or credentials (MBA, CFA, CRC or equivalent) preferred for Senior CPM III.
• UCA cash flow, syndication, and advanced CRE analysis preferred (CPM II).
• UCA cash flow, syndication, and advanced CRE analysis preferred (Senior CPM III).
• Demonstrated leadership through mentoring CPM I and CPM II roles and influencing credit culture & standards (Senior CPM III).
• Foundational CRE underwriting and portfolio support; growing independence in credit analysis and memo preparation (CPM I).
• Supports monitoring, renewals, and Credit Committee presentations under guidance (CPM I).
• Independent credit judgment with advanced CRE analysis, including stress testing (CPM II).
• Full ownership of portfolio risk, watchlist management, and defense of credit decisions (CPM II).
• Exercises expert-level credit judgment with minimal oversight across highly complex relationships (Senior CPM III).

Responsibilities

• Underwriting, annual reviews, and ongoing monitoring of commercial credits.
• Maintaining credit quality and risk rating integrity.
• Ensuring covenant compliance.
• Proactively identifying and escalating emerging credit risk.
• Structuring, underwriting, presenting, and managing commercial credits.
• Supporting relationship growth and risk-adjusted returns.
• Contributing to portfolio consistency, exam readiness, and disciplined credit governance.
• Mentoring CPM I and CPM II roles and influencing credit culture & standards (Senior CPM III).
• Leading portfolio-level risk strategy, including proactive identification of systemic and thematic risk (Senior CPM III).
• Structuring sophisticated credit solutions involving complex entities, participations and layered collateral (Senior CPM III).
• Anticipating, diagnosing and mitigating emerging and problem credit risk before performance deteriorates (Senior CPM III).

Benefits

• The compensation for this position is hourly, with rates varying by level: Level 1: $31.16-$46.73/hour, Level 2: $35.01-$52.51/hour, Level 3: $39.50-$61.22/hour.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level