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.