Commercial Loan Portfolio Manager
Pen Air Credit Union
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Benefits offered by this job
Job summary
PenAir Credit Union seeks a Commercial Loan Portfolio Manager to oversee ongoing administration, monitoring, and risk management of its commercial loan portfolio. The role collaborates with Commercial Market Executives, Commercial Lenders, Credit Administration, and Loan Operations to ensure proper servicing throughout the life of each credit.
Responsibilities include portfolio reviews, financial statement analysis, covenant monitoring, and preparation of risk assessments and management reports
Qualifications
- Five to eight years of similar or related experience.
- Experience analyzing commercial real estate, owner-occupied real estate, investment real estate, construction, and business lending relationships.
- Experience completing annual reviews, covenant monitoring, portfolio reporting, and risk-rating assessments.
Responsibilities
- Portfolio Administration and Credit Monitoring.
- Credit analyses and reviews to support risk management.
- Prepare reports for loan committee and management.
- Ensure compliance with lending policies and regulatory requirements.
- Maintain accurate risk ratings and monitor portfolio concentrations.
- Develop relationships with borrowers and third-party professionals.
- Participate in portfolio reviews and site visits.
- Identify opportunities to deepen deposits, treasury management, and lending relationships.
Skills
Education
Job description
If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.
Management Pensacola, FL, US
Since 1936 PenAir® Credit Union has been the catalyst where community, resources, and impact come together and produce a powerful force for good. We have a unique culture and we’re passionate about it. Grown from the values we hold most dear, three guiding principles shape how we see the people we serve, the community around us, and our role within it. These guiding principles are Respect, Service, and Communerosity® and they’re woven throughout our culture.
PenAir is where people and community, resources and expertise align with your values to create real impact. Generational impact through strong financial education and support. We care about the things you care about. As the largest and oldest credit union in Pensacola, Florida, with more than $2.8 billion in assets, our purpose is to enhance the lives of those we serve in the Florida Panhandle, Southern Alabama, and Virginia.
Do you have a passion for helping others? Currently, PenAir provides access to 15 convenient locations across Mobile and Baldwin counties in Alabama and Escambia, Santa Rosa, Okaloosa and Bay counties in Florida. Join us and become a powerful force for good - after all we live, work, and play here too.
Take control of your future by mapping out a career at PenAir. Working with us means you can shape your professional experience to suit your dreams. We offer valuable resources that provide you the opportunity to build upon and strengthen your skills. Whether it be a career path in advising our members directly on products and services, guiding them through major purchase decisions on a home or vehicle, or even helping build the technology and processes behind the scenes, there is a place for everyone at Pen Air! Success looks different for everyone. Where will your journey take you?
Just like we strive to be a force for good at work, Pen Air works just as hard to supply employees with a total rewards package that includes competitive salaries and meaningful benefits.
- Up to $15K available for continuing education
- Student Loan Paydown
- Adoption Assistance Reimbursement
- Wellness Programs
- Gym membership reimbursement
- Financial Wellness Resources
- Purchase assistance with computers and fitness equipment.
- Generous PTO Plan—20 days for new hires
- Paid Maternal & Parental Leave
- Competitive Retirement Plan
- Company paid Short Term Disability
The Commercial Loan Portfolio Manager is responsible for supporting the ongoing administration, monitoring, and risk management of PenAir's commercial loan portfolio. This position works closely with Commercial Market Executives, Commercial Lenders, Credit Administration, and Loan Operations to ensure commercial loan relationships are properly monitored and serviced throughout the life of the credit.
Portfolio Administration and Credit Monitoring
- Manage and monitor an assigned portfolio of commercial loan relationships.
- Complete annual reviews, interim financial analyses, and portfolio updates within established timelines.
- Analyze borrower financial statements, tax returns, rent rolls, borrowing base reports, and other financial information.
- Monitor loan covenant compliance and communicate exceptions to appropriate leadership.
- Maintain accurate risk ratings and recommend changes when warranted.
- Identify emerging credit concerns and elevate issues proactively.
- Track portfolio concentrations, maturities, renewals, and other portfolio metrics.
Credit Analysis and Underwriting Support
- Prepare credit presentations, annual reviews, and risk assessment reports.
- Assist with construction loan monitoring, participation loans, and complex commercial relationships as assigned.
- Support the preparation of reports for the loan committee and executive management.
Risk Management and Compliance
- Ensure portfolio activities comply with PenAir policies, lending procedures, and regulatory requirements.
- Assist with loan review, internal audits, examinations, and regulatory requests.
- Monitor loan documentation, insurance requirements, collateral exceptions, and financial reporting requirements.
- Maintain awareness of industry trends, market conditions, and emerging portfolio risks.
- Support watch-list administration and the monitoring of criticized or classified assets.
Relationship Management
- Serve as a resource to Commercial Lenders and Treasury Management partners regarding existing portfolio relationships.
- Participate in member meetings, site visits, and portfolio reviews as appropriate.
- Develop strong working relationships with borrowers, accountants, attorneys, appraisers, and other third-party professionals.
- Assist lenders in identifying opportunities to deepen deposit, treasury management, and lending relationships.
Reporting and Process Improvement
- Prepare recurring portfolio reports for management and the Board of Directors.
- Assist in the development of concentration reports, risk dashboards, and portfolio trend analyses.
- Recommend process improvements that enhance efficiency, reporting quality, and risk management effectiveness.
- Participate in system implementation, workflow enhancement, and strategic initiatives as assigned.
Performs other job-related duties as assigned.
Five years to eight years of similar or related experience, including preparatory experience.
A two-year college degree or completion of a specialized course of study at a business or trade school equivalent to approximately 64 credit hours.
A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically includes subject matter experts as well as first level to middle managers.
- Experience analyzing commercial real estate, owner-occupied real estate, investment real estate, construction, and business lending relationships.
- Experience completing annual reviews, covenant monitoring, portfolio reporting, and risk-rating assessments.
- Experience working with participation loans, complex borrower structures, and guarantor financial analysis
This Job Description is not a complete statement of all duties and responsibilities comprising the position.
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