Commercial Portfolio Specialist

Royal Credit Union•White Bear Lake, MN

1d•Hybrid

About The Position

This role supports the commercial lending team, analyzes complex financial data, helps structure high-quality business loans, and makes a meaningful impact on the Members and communities served. The Commercial Portfolio Specialist supports the Vice President Commercial Loan Officer(s) in managing a complex portfolio of diverse, quality, and profitable commercial and commercial real estate loans and deposits. The incumbent will gather and analyze financial data and evaluate loan applications to make appropriate recommendations regarding product offerings, loan structuring, pricing, and approval. Develop and maintain strong relationships with existing and prospective Members. Participate in overall credit/risk management, portfolio management, and servicing of assigned portfolio. Ensures compliance with lending policies and procedures. Actively collaborate with other Royal Team Members to help meet Members' specific commercial lending, commercial real estate lending, and deposit and cash management needs.

Requirements

Bachelor’s degree in Finance, Accounting, Business, Economics, or related field or equivalent business lending work experience
Five years of business loan account relationship management experience, business credit underwriting experience, or a combination of both
Thorough knowledge of lending regulations and credit/underwriting practices
Must be bondable
Valid driver’s license and insured vehicle
Strong understanding of financial services, commercial lending terminology, financial statement analysis, loan documentation, appraisals, environmental reports, and digital banking platforms; readily learns new technologies and uses Royal’s digital solutions effectively.
Ability to evaluate complex financial data, interpret trends, assess credit risk, analyze spreadsheets, weigh costs/benefits, and make confident, evidence‑based decisions in fast‑paced conditions.
Excellent written and verbal communication skills; able to question, listen, and identify Member needs; presents information clearly; develops strong Member and community relationships; experienced in business development.
Demonstrates strong planning skills, meets deadlines, prioritizes work effectively, manages high work volume, provides others with needed information, and works independently with minimal supervision.
Identifies options, evaluates solutions, anticipates concerns, addresses issues professionally, influences others constructively, and works collaboratively across departments to support Member needs and organizational goals.

Nice To Haves

Experience in commercial loan documentation

Responsibilities

Supports the Vice President Commercial Loan Officer(s) in managing a complex portfolio of diverse, quality, and profitable commercial and commercial real estate loans and deposits.
Gathers and analyzes financial data and evaluates loan applications to make appropriate recommendations regarding product offerings, loan structuring, pricing, and approval.
Develops and maintains strong relationships with existing and prospective Members.
Participates in overall credit/risk management, portfolio management, and servicing of assigned portfolio.
Ensures compliance with lending policies and procedures.
Actively collaborates with other Royal Team Members to help meet Members' specific commercial lending, commercial real estate lending, and deposit and cash management needs.