Commercial Portfolio Analyst Department:

Commercial Lending | Exempt | Reports to Portfolio Manager About the Role We're looking for a Commercial Portfolio Analyst to join our Commercial Lending team. This is a varied role with real ownership: you'll manage credit and portfolio administration for a commercial loan book, while also taking the lead on construction loan draws, SBA loan servicing, and

USDA B&I

support. It's a strong fit for someone who wants breadth beyond straight credit analysis and enjoys being the go-to person for clients and internal partners alike. What You'll Do Portfolio & Credit Spread and analyze financial statements and tax returns to assess ongoing creditworthiness Monitor covenants, collateral conditions, and reporting requirements; prepare annual reviews, risk ratings, and renewals Maintain compliant loan files and produce portfolio reports and risk metrics for management Construction Lending Process draw requests, verifying invoices, lien waivers, inspections, and title updates Coordinate with inspectors, title companies, and fund control partners Track budgets and reserves, flagging overruns, delays, or compliance issues SBA Servicing Serve as primary contact for SBA clients from closing through payoff Process servicing actions and coordinate with SBA and secondary market investors per SOP requirements

USDA B&I

Support Monitor covenant compliance and reporting for

USDA B&I

guaranteed loans Audit Support Keep files audit ready and assist with exam and audit requests What You Bring Bachelor's degree in Finance, Accounting, Business, or equivalent experience 3+ years in commercial credit analysis, loan servicing, or portfolio administration; construction, SBA, or USDA experience a plus Working knowledge of NCUA, Reg B, and BSA/AML requirements Strong Excel skills and financial statement analysis ability Sharp attention to detail and comfort managing multiple deadlines Good to Know Standard office setting, with occasional site visits or client meetings and some local travel Occasional evenings/weekends around deadlines