Commercial Portfolio Manager

Horizon Credit Union•Garden City, ID

7d•$31 - $53

About The Position

YOUR PURPOSE 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. OVERALL ROLE SCOPE & ACCOUNTABILITY CPM I Developing-level individual contributor Operates with guidance from senior CPMs and Credit Administration Owns defined components of underwriting, annual reviews, and monitoring Positioned above entry-level (Credit Analyst / CBLO) but still learning independence CPM II Primary risk steward for assigned portfolio Operates with independent credit judgment and delegated authority Fully accountable for: Credit quality Risk rating integrity Covenant compliance Escalation of emerging risk Key difference: CPM II owns risk decisions end-to-end-; CPM I contributes and executes within guardrails SUCCESS LOOKS LIKE Our individual contributor success competencies, coupled with our CORE Values, drive our ability to fulfill our Promise of "Guiding members in the direction of their dreams". Action Oriented: Takes on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm Collaborates: Builds partnerships and works collaboratively with others to meet shared objectives. Readily takes action on challenges, without unnecessary planning Instills Trust: Gains the confidence and trust of others through honesty, integrity, and authenticity Communicates Effectively: Develops and delivers communications that convey a clear understanding of the unique needs of different audiences Member Focused: Builds strong member relationships and delivers member-centric solutions, both internally and externally Self-Development Focused: Actively seeks new ways to grow and be challenged using both formal and informal development