Commercial Portfolio Analyst

Description

Primary Function

Supports the commercial lending function by performing credit analysis, monitoring portfolio performance, and assisting in underwriting and loan administration activities to ensure sound credit decisions, regulatory compliance, and effective portfolio risk management.

Primary Responsibilities

• Analyze financial statements, tax returns, cash flow, and related financial information to evaluate borrower creditworthiness and underwrite new, renewed, and modified commercial loan requests, including recommending credit structure, terms, and risk ratings. 
• Prepare and present credit analyses and underwriting recommendations, including assessment of repayment capacity, collateral, and overall risk, in accordance with established credit policies and approval authority. 
• Manage and monitor an assigned commercial loan portfolio by tracking borrower performance, financial reporting requirements, and covenant compliance to ensure adherence to lending terms, internal policies, and regulatory requirements. 
• Identify, analyze, and escalate emerging credit risks or adverse trends within the portfolio, recommending appropriate actions to mitigate risk and protect asset quality. 
• Collaborate with Director of Commercial Lending, and internal partners to structure, document, and close commercial loan transactions while supporting a high level of member service. 
• Serve as a primary point of contact for credit-related matters for assigned relationships, providing ongoing portfolio support and responding to borrower and internal inquiries. 
• Ensure commercial loan files are accurate, complete, and maintained in accordance with credit authority guidelines, documentation standards, and regulatory requirements, including BSA, AML, and OFAC compliance. 
• Review loan documentation, including loans with complex or long-term credit provisions, to ensure appropriate safeguards, collateral requirements, and risk mitigation measures are in place. 
• Prepare and process lending documentation and related records, including settlement sheets, vouchers, general ledger entries, and portfolio reports. 
• Produce and analyze periodic reports on portfolio performance, credit quality, and lending activity to support management decision-making and regulatory reporting. 
• Support ongoing review and improvement of commercial lending processes, procedures, and workflows to enhance operational efficiency, accuracy, and risk management practices. 
• Monitor and approve third-party expenses associated with loan processing activities, including appraisals, title work, recording fees, and other due diligence costs.

Requirements

Experience

• Three to Five years of experience in commercial credit analysis, underwriting, or portfolio management.

Education

• Bachelor’s degree in finance, accounting, or a related field preferred.

Knowledge/Skills

• Strong analytical, financial modeling, and communication skills, with proficiency in bank software and financial analysis tools.
• Deep understanding of commercial lending products, credit policies, and federal/state regulations.

Rewards

• This position is full time and will be eligible for benefits, and an annual incentive plan.
• We have excellent opportunities for career advancement and professional development.
• Salary ranges from $60,000 - $75,000

Schedule

• Monday through Friday 8:00 AM - 5:00 PM 

Benefits (Eligible the first of the month after your hire date)

• Medical
• Dental
• Vision
• Employee Paid Life Insurance
• Voluntary Life Insurance
• Short Term and Long-Term Disability
• HRA and FSA
• 401k with matching contributions
• Tuition Reimbursement
• 4 weeks of PTO
• Sick Time off that can be for both employee and family members
• Birthday PTO

Performance Expectations

Life-Changing 

• We take all steps necessary to elevate and empower members to confidently achieve financial wellbeing. 
• We predict and understand the needs and wants of members at all life stages by intentionally observing their behavior, listening intently, asking better questions, and leveraging data. 
• We navigate members through the journey of achieving financial wellbeing by proactively recommending personalized solutions that will impact their lives for the best. 

Trustworthy 

• We earn our members’ trust by continuously building and sharing personal finance expertise, always ke