Commercial Credit Portfolio Manager

crcfo; Boston (MA); Hybrid; USD 96,000 - 138,000; Part time

Job summary

crcfo is seeking an experienced Commercial Credit Portfolio Manager to monitor and review a ~$70 million loan portfolio, primarily remote with optional on-site Thursdays in Lowell, MA. The role requires 20-30+ hours per week for six months or longer, with independent work and strong credit-analytic skills.

The ideal candidate will handle annual reviews, risk assessment, and reporting, with a focus on multifamily and commercial/industrial real-estate loans, while coordinating with internal

Qualifications

• Experience managing or reviewing a commercial loan portfolio.
• Ability to monitor and complete annual reviews for a ~$70M portfolio.
• Strong understanding of multifamily and commercial/industrial real-estate loans.
• Proficiency in analyzing complex financial statements and tax returns.

Responsibilities

• Monitor credit quality of a ~$70M portfolio.
• Complete annual credit reviews in a timely, comprehensive manner.
• Analyze borrower financials, tax returns, rent rolls and operating statements.
• Evaluate cash flow, DSCR, LTV and other credit metrics.
• Review covenant compliance and identify risks and deterioration trends.
• Maintain risk ratings and recommend changes when supported by analysis.
• Assess collateral position for multifamily and commercial/industrial properties.
• Prepare clear credit memoranda and portfolio-review documents.
• Monitor maturities, renewals and reporting requirements.
• Communicate findings to internal stakeholders.
• Support portfolio reporting, audits and related projects as needed.

Skills

Portfolio management

Annual reviews

Credit analysis

Financial statements

DSCR analysis

Risk management

Credit writing

Deadline management

Job description

Commercial Credit Portfolio Manager

Employment Type: Contract Duration: Six months or longer Schedule: 20-30+ hours per week Location: Primarily remote; ability to work onsite on Thursdays in Lowell, Massachusetts, is a significant plus Benefit Eligibility: Based on the final engagement structure

Position Overview

We are seeking an experienced Commercial Credit Portfolio Manager to monitor and provide annual reviews for an approximately $70 million commercial loan portfolio consisting of multifamily residential and commercial/industrial properties.

The ideal candidate will bring strong commercial-credit analysis, portfolio-management and risk-assessment experience and be comfortable working independently in a primarily remote environment. The engagement is expected to require 20-30 or more hours per week for at least six months.

Key Responsibilities

• Monitor the performance and overall credit quality of a $70 million commercial loan portfolio
• Complete timely and comprehensive annual credit reviews
• Analyze borrower and guarantor financial statements, tax returns, rent rolls and property-operating statements
• Evaluate cash flow, debt-service coverage, loan-to-value and other relevant credit metrics
• Review covenant compliance and identify exceptions, emerging risks and deteriorating credit trends
• Maintain accurate risk ratings and recommend changes when supported by the credit analysis
• Assess the financial performance and collateral position of multifamily residential and commercial/industrial properties
• Prepare clear, well-supported credit memoranda and portfolio-review documentation
• Monitor maturities, renewals, reporting requirements and other portfolio deadlines
• Communicate findings and recommendations to internal stakeholders
• Support portfolio reporting, audits and other credit-related projects as needed

Must-Have Qualifications

• Demonstrated experience managing or reviewing a commercial loan portfolio
• Ability to monitor and complete annual reviews for an approximately $70 million portfolio
• Strong experience with multifamily residential and commercial/industrial real-estate loans
• Thorough understanding of commercial-credit analysis, underwriting and portfolio risk management
• Ability to analyze complex financial statements, tax returns, rent rolls and property cash flows
• Experience evaluating debt-service coverage, leverage, liquidity, collateral and covenant compliance
• Strong credit-writing, analytical and organizational skills (Fixed typo:
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• Ability to work independently and manage multiple annual reviews and deadlines
• Availability for 20-30+ hours per week for a minimum six-month engagement

Preferred Qualifications

• Prior experience with a bank, credit union or commercial lending institution
• Experience managing criticized or higher-risk credits
• Familiarity with regulatory and internal loan-review standards
• Ability to work onsite in Lowell, Massachusetts, on Thursdays

This opportunity is well suited for an experienced commercial-credit professional seeking a long-term fractional or contract engagement with a flexible, primarily remote schedule.