Commercial Loan Portfolio Manager

Commercial Loan Portfolio Manager

We are looking for a Commercial Loan Portfolio Manager to support a growing credit union’s commercial lending team near Central, Massachusetts. This position is well suited for a detail-oriented banking specialist who can evaluate borrower financial performance, identify credit risk, and help maintain a sound commercial loan portfolio. The role combines portfolio oversight, credit analysis, and close partnership with lenders to support thoughtful credit decisions and strong member service.

Responsibilities:

• Oversee the ongoing collection, review, and maintenance of borrower financial records to keep portfolio data complete and current.

• Evaluate commercial relationships for repayment capacity, collateral strength, covenant performance, and changes in overall risk profile.

• Conduct recurring portfolio reviews and assist with renewals to ensure lending relationships remain appropriately structured and monitored.

• Prepare thorough credit assessments by analyzing financial statements, tax returns, cash flow trends, projections, and supporting collateral information.

• Review real estate operating performance, including revenue, expenses, and debt service coverage, to assess property-backed lending requests.

• Develop well-organized credit memoranda, portfolio commentary, and management reporting that clearly present findings and recommendations.

• Examine modification requests, exception items, maturity exposure, and documentation gaps, and escalate concerns when needed.

• Provide analytical support to commercial lenders and lending committees while assisting with audits, regulatory reviews, and concentration reporting.

• Meet with applicants or borrowers as appropriate to help assess creditworthiness and support relationship development opportunities.

• 3–5 years of experience in financial analysis within a banking or credit union environment.

• Practical knowledge of commercial credit evaluation, underwriting principles, and portfolio risk monitoring.

• Ability to interpret financial statements, tax documentation, cash flow performance, and collateral data with a high degree of accuracy.

• Familiarity with commercial real estate lending concepts, including property income analysis and debt service coverage review.

• Strong organizational skills with careful attention to detail and the ability to manage multiple deadlines effectively.

• Sound judgment and confidence in forming recommendations based on financial and credit information.

• Clear written and verbal communication skills for presenting analysis to lenders, committees, and leadership.

• Detail-oriented, dependable, and collaborative approach with the initiative to work independently when needed.

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All applicants applying for U.S. job openings must be legally authorized to work in the United States. Benefits are available to contract/temporary professionals, including medical, vision, dental, and life and disability insurance. Hired contract/temporary professionals are also eligible to enroll in our company 401(k) plan. Visit roberthalf.gobenefits.net for more information.

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