Commercial Portfolio Officer

TEXELL CREDIT UNION•Temple, TX

11d•Onsite

About The Position

The Commercial Portfolio Officer serves as a key credit leader within the commercial lending team, responsible for underwriting new loan requests and managing the ongoing health of the commercial portfolio through thorough analysis and annual reviews. This is not a management role, but it is a position of influence. You will be a trusted resource to Commercial Business Officers and a go-to expert when complex credits arise. Your work will directly support the credit union’s commercial growth while ensuring disciplined risk management.

Requirements

Proven experience managing and analyzing high-volume commercial loan portfolios
Strong expertise in commercial underwriting, credit structuring, and risk analysis
Experience working with complex commercial credits, including real estate and operating companies
Sound judgment and the ability to navigate challenging credit situations
Strong written and verbal communication skills
A collaborative mindset and the ability to lead through expertise and influence

Responsibilities

Underwrite commercial loan requests and prepare comprehensive credit analysis for new originations
Perform detailed annual reviews and ongoing portfolio monitoring
Maintain organized, accurate, and compliant credit files
Analyze borrower performance, covenant compliance, and emerging credit risks
Partner with Commercial Business Officers to structure and evaluate complex credits
Identify and help resolve problem loans through thoughtful mitigation strategies
Contribute to initiatives that improve commercial lending processes and portfolio performance
Support a culture of efficiency, growth, and exceptional member service