Commercial Portfolio Specialist

OneAZ Credit Union • Phoenix, AZ

5d • $84 - $105 • Onsite

About The Position

The Commercial Portfolio Specialist is responsible for managing all aspects of the existing commercial loan portfolio. This role ensures portfolio quality, supports risk management efforts, and provides ongoing reporting and analysis.

Requirements

• H.S. Diploma Required
• 3-5 years similar or related experience required
• Demonstrated experience with commercial lending, including term loans, commercial real estate, construction, SBA, and lines of credit.
• Strong organizational and analytical skills.
• Proven ability to manage deadlines and deliver accurate reporting.
• Demonstrated ability in commercial lending including, but not limited to, term loans, commercial real estate, construction, SBA and lines of credit.
• A passion for people, innovation, and growth.

Nice To Haves

• Bachelors Degree Preferred

Responsibilities

• Complete periodic commercial loan and relationship reviews within established timelines.
• Ensure loan files are current and complete, including all required financial and supporting documentation.
• Spread and analyze borrower and guarantor financial statements.
• Identify financial or operational exceptions and prepare related default communication.
• Confirm borrower performance aligns with loan terms, including usage, indebtedness, and deposit expectations.
• Maintain updated due diligence (UCC searches, background checks, credit reports, STR reports, etc.).
• Oversee the accuracy and integrity of the financial document tickler system.
• Distribute periodic tickler reports to lending staff and leadership.
• Manage member correspondence related to upcoming and past due tickler items.
• Monitor maturing loans and communicate proactively with lenders.
• Ensure updated financials and file documentation are complete prior to renewal.
• Prepare renewal credit requests and support action plans for loans showing signs of deterioration.
• Compile and prepare quarterly board reporting.
• Support maintenance of the quarterly Problem Loan Report and weekly delinquency review.
• Maintain interest rate stress testing reports.
• Ensure loan portfolio files are audit-ready for internal, regulatory, and third-party reviews.
• Maintain organized, well-labeled files and ensure documentation gaps are accurately reflected in the tickler system.
• Adhere to all applicable policies, laws, and regulations, including BSA, AML, USA Patriot Act, and OFAC requirements.

Benefits

• Generous paid time off: paid holidays, floating holidays, personal days, vacation days, plus sick time
• Low-cost Medical, Dental & Vision plans
• Paid childcare assistance
• Award-winning 401K
• Gym fee reimbursement
• Tuition Reimbursement
• Student loan repayment
• ...and much more.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED
• Number of Employees: 501-1,000 employees