Commercial Loan Portfolio Manager

Rogue Credit Union; Eagle (ID); In loco; USD 110.000 - 170.000; Tempo pieno

Descrizione del lavoro

Rogue Credit Union is seeking a Commercial Portfolio Manager to oversee a portfolio of commercial lending relationships, ensuring ongoing financial health, risk management, regulatory compliance, and adherence to policies. The role partners with Relationship Managers and Credit Administration to monitor borrower performance and risk indicators, while supporting portfolio strategy and documentation.

The ideal candidate will have five or more years in commercial lending or portfolio management,

Competenze

• Five+ years of commercial lending, portfolio management, or related financial institutional experience.
• Strong understanding of commercial lending principles and credit risk.
• Familiarity with loan risk-rating methodologies and collateral evaluations.

Mansioni

• Manage an assigned portfolio of commercial lending relationships and monitor borrower performance, financial condition, and credit quality.
• Identify emerging credit risks and communicate changes to stakeholders to support portfolio health.
• Monitor maturities and coordinate renewals, extensions, or restructurings as needed.
• Ensure covenant compliance and monitor loan conditions with accurate documentation and timely reporting.
• Evaluate collateral, including appraisals and insurance, and recommend actions to protect credit quality.
• Identify opportunities in deposits, treasury management, and other Business Services for members while maintaining credit discipline.
• Stay current on regulations and loan policies, support audits and examinations, and assist with remediation of findings.

Conoscenze

Commercial lending

Portfolio management

Credit risk management

Regulatory compliance

Financial analysis

Formazione

Two-year college degree or relevant certification

Descrizione del lavoro

Department : Business Services Reports To : Commercial Credit Ops and System Manager

About Rogue Credit Union

Rogue Credit Union is a member-owned, not-for-profit financial cooperative headquartered in the Rogue Valley located in beautiful southern Oregon. We strive to make an impact in the communities we serve by living, giving, and supporting local. The Commercial Portfolio Manager oversees an assigned portfolio of commercial lending relationships, ensuring ongoing financial health, risk management, regulatory compliance, and adherence to credit union policies. This role partners closely with internal stakeholders to monitor borrower performance, analyze financial and covenant compliance, identify emerging credit risks, and recommend strategies to mitigate risk while maintaining well-structured and properly documented credit relationships.

Key Responsibilities

• 25% Manages an assigned portfolio of commercial lending relationships by monitoring borrower performance, financial condition, collateral, and overall credit quality. Identifies emerging credit risks, maintains accurate risk ratings, analyzes portfolio trends and exceptions, and proactively communicates significant changes in credit risk while partnering with Relationship Managers, Credit Administration, and leadership to support portfolio health and sound risk management.
• 15% Supports the ongoing management of commercial credit risk by identifying and monitoring higher-risk lending relationships, participating in problem-loan oversight, and assisting with risk mitigation strategies. Collaborates with Relationship Managers, Credit Administration, Member Solutions, and other stakeholders to develop and monitor action plans, recommend loan structure or covenant modifications, and ensure timely follow-up on remediation efforts to protect the Credit Union's interests.
• 15% Monitors commercial loan and line-of-credit maturities to ensure timely renewal, extension, modification, and refinance activities. Partners with Relationship Managers and Credit Analysts to evaluate existing credit structures, identify relationships requiring additional analysis or restructuring, recommend appropriate credit modifications, and ensure maturing credit facilities are addressed before expiration.
• 10% Monitors commercial loan covenant compliance and ongoing loan requirements by tracking financial reporting, insurance, collateral documentation, appraisals, environmental reports, and other loan conditions. Works closely with Commercial Loan Specialists and Credit Analysts to identify and resolve exceptions, maintain accurate monitoring systems, and ensure borrowers and internal partners provide required information in a timely manner to support compliance and portfolio quality.
• 10% Monitors and evaluates collateral supporting commercial lending relationships by reviewing appraisals, insurance, title information, lien filings, inspections, and other collateral documentation. Assesses commercial real estate collateral performance, identifies potential deficiencies or risks, recommends corrective actions, and assists with inspections and site visits to help protect the Credit Union's collateral position and overall credit quality.
• 5% Identifies potential deposit, treasury management, and other Business Services opportunities. Provides exceptional service to commercial members while maintaining appropriate credit discipline.
• 5% Stays current on applicable regulations, business loan policies, operational controls, business products, and services, and ensures loan files are in compliance according to policy requirements. Adheres to Bank Secrecy Act (BSA), Anti-Money Laundering (AML), OFAC, CIP, HMDA, and all applicable regulatory requirements. Supports internal audits, regulatory exams, loan reviews, and other independent reviews and assists with resolving loan review findings.
• 5% Proactively performs other duties including projects as needed or assigned.

Five+ years of commercial lending, portfolio management, or related financial institutional experience.

Education Requirements

• 1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program.

Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation. Should possess the ability to build rapport and credibility to effectively communicate with members and serve as lead with the credit union employees.

Strong understanding of commercial lending principles and credit risk. Familiarity with loan risk-rating methodologies. Understanding of commercial real estate valuations and collateral evaluations. Ability to independently manage multiple commercial credit relationships and competing deadlines. Ability to exercise sound independent judgment within established lending policies and procedures.

Finger dexterity while using computer. Occasional talking and hearing in person and on the telephone. This job is an exempt position that requires flexibility in scheduling tasks and projects. As a direct representative of the credit union, the employee must conduct and present themselves courteously and professionally. Travel to all credit union regions may be required.

Rogue Credit Union is a drug free workplace and requires a drug screening test within 48 hours of employment offer.

Rogue Credit Union is an Equal Opportunity Employer and makes employment decisions without regard to race, color, national origin, religion, sex, age, disability, veteran status, or any other protected class.

If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process or are limited in the ability or unable to access or use this online application process and need an alternative method, please call .