Commercial Portfolio Manager

Achieva Credit Union•Dunedin, FL

6h•Hybrid

About The Position

The Commercial Portfolio Manager reviews commercial loans and supports the expansion and retention of existing credit relationships. This role includes underwriting, structuring modifications and renewals, and managing commercial loan portfolios ranging from $50K to $40MM per loan. The position ensures continuous portfolio compliance, preparation of appropriate credit actions, and collaboration across internal and external teams. A strong knowledge of commercial lending, financial analysis, and credit union products is essential.

Requirements

Associate’s degree or equivalent experience.
2+ years of commercial credit experience across diversified asset classes, including corporate and real estate.
Proficient in evaluating financial statements, trends, and risk indicators.
Experience with cash flow, comparable company, and precedent transaction analysis.
Strong business writing and communication skills.
Ability to synthesize complex data into clear, actionable credit assessments.
Intermediate to advanced Microsoft Excel skills; Moody’s Risk Analytics a plus.
Formal credit training or equivalent experience required.
Strong organizational skills with the ability to work independently and meet deadlines.
Effective interpersonal and conflict-resolution skills.
Proficient in Microsoft Office Suite.

Responsibilities

Credit Analysis Conducts research on complex credit investigations and borrower creditworthiness.
Prepares credit presentations for loans ranging in size from $50K to $40MM.
Structures loan modification and renewal requests and facilitates credit approval.
Ensures complete and accurate documentation of all credit actions.
Analyzes key risk factors, trends, and ratios against benchmarks and industry norms.
Portfolio Management Manages an assigned commercial loan portfolio to ensure regulatory and internal compliance.
Performs annual reviews, modifications, delinquencies, renewals, and reporting.
Monitors borrower performance and ensures adherence to financial covenants.
Initiates timely risk rating changes as needed.
Collaborates with the AVP of Commercial Lending on credit and risk matters.
Cross-Functional Collaboration Partners with Commercial Relationship Managers (CRMs), underwriters, closing team, and product teams to support member needs.
Identifies and proposes process improvements within scope of work.
Reviews credit policy and ensures adherence to lending and concentration limits.