Commercial Real Estate Portfolio Manager

Commercial Real Estate Portfolio Manager

The Commercial Real Estate Portfolio Manager is responsible for managing and monitoring a portfolio of commercial real estate loans, typically exceeding $1,000,000, to ensure the overall health and profitability of the credit union's lending portfolio. This role partners closely with loan officers to support all portfolio management activities for an assigned credit portfolio, including covenant compliance, credit analysis, and risk monitoring. The Portfolio Manager conducts in-depth financial and collateral analyses, identifies potential credit or operational risks, and recommends appropriate actions to mitigate exposure. In addition, this position plays a key role in maintaining strong relationships with members and supporting the delivery of high-quality service to commercial clients.

What you will do here :

• Portfolio Management : Actively manages a large diverse loan portfolio with borrowers located throughout the credit union's trade area. Duties include but are not limited to annual reviews, covenant testing, site visits, manage maturities and delinquencies, identify changes in loan grading, if needed develop loss mitigation or asset recovery plans, retain current relationships, and identify additional business and business owner relationship enhancement opportunities.
• Underwriting : Perform credit underwriting duties for existing / prospective member relationships, which may include but are not limited to the following perform detailed credit analysis to determine borrower / guarantor repayment capacity, appropriate loan structuring recommendations, complete credit packages for credit committee approval (annual reviews / new business / renewals) submission. Preparation of underwriting documents will also include collateral analysis on multiple asset classes and preparation of pricing and risk rating models suitable for each credit request.
• Compliance : Continuously monitor covenant compliance with regular reporting requirements to loan officers and loan / credit monitoring and credit review. Establish protocols and maintain tracking of documentation exceptions, past dues, field exams, borrowing base reports and covenant exceptions.
• Provide recurring customer service to existing members, which includes direct contact with customers either through participation in joint sales calls with loan officers or direct correspondence with clients and perform various projects / tasks as needed.
• Perform other job-related duties as assigned.

What you will need :