Commercial Loan Underwriter and Portfolio Manager

Credit Union of Southern California (CU SoCal); Anaheim (CA); Hybride; USD 80 000 - 123 000; Plein temps

Résumé du poste

CU SoCal, a community-focused credit union, seeks a Commercial Loan Underwriter & Portfolio Manager to oversee credit risk, financial analysis, and performance monitoring of a diverse commercial loan portfolio including SBA and CRE credits. The role requires strong underwriting discipline and collaboration with loan committees.

Based in Anaheim Hills, CA, the position offers a hybrid-remote schedule: 2 days in-office and 3 days remote, with focus on risk assessment, cash flow analysis, and

Qualifications

• Experience in credit risk management and financial analysis for commercial loan portfolios.
• Ability to evaluate complex commercial loan transactions and provide clear credit feedback.
• Strong knowledge of underwriting standards, covenants, collateral, and risk ratings.
• Proficient in Microsoft Office and data processing for financial spreads.

Responsabilités

• Monitor credit risk and covenant compliance across the portfolio.
• Prepare annual and periodic credit reviews with cash flow and collateral analysis.
• Review third‑party underwriting for accuracy and alignment with standards.
• Conduct credit investigations and prepare memoranda for committees.
• Track portfolio performance, delinquencies, and borrower financial changes.
• Support servicing activities, modifications, and reconciliations as needed.

Connaissances

MS Office proficiency

Cash flow analysis

Collateral analysis

Commercial lending policies

Communication skills

Credit documentation

Formation

Bachelor’s degree in Business/Accounting/Finance or Economics

SBA lending experience

Description du poste

Description

The Commercial Loan Underwriter & Portfolio Manager

is responsible for the ongoing credit risk management, financial analysis, and performance monitoring of a commercial loan portfolio which includes Small Business Administration guaranteed loans, multi-family residential loans, participation loans, United States department of Agriculture loans and commercial real estate loans to current and potential credit union Members.

Business Hours: Monday – Friday 8:00AM – 5:30PM*

*Based upon business needs, our positions may require working flexible hours.

This position is based in Anaheim Hills CA with the opportunity to work on a hybrid-remote schedule which consists of 2 days in-office and 3 days working remote from home.

Why Work at CU SoCal?

CU SoCal is one of the fastest growing credit unions and is more than just a place to work. It’s a place where people come before profit, a place where you can build a career that’s more than a job, and where the work you do has meaning and purpose. We offer competitive pay, great health benefits and a culture like no other!

CU SoCal is a Gallup Exceptional Workplace Award Recipient

In 2026, Credit Union of Southern California (CU SoCal) was once again honored with the Gallup Exceptional Workplace Award, marking our third consecutive win and ranking us among the top workplaces worldwide for outstanding employee engagement.

The CU SoCal culture fosters Building Better Lives for our Members, personal development, open communication, and genuine care for each other. We prioritize C.A.R.E. 4: professional competence, positive attitude, relationship building, and eager service to others. If you're passionate about making a difference and want to be part of a dynamic team.

Requirements

Minimum Qualifications

• High School Diploma or equivalent.
• 3+ years of progressive experience in commercial real estate or consumer lending, credit analysis, or commercial portfolio management, including experience analyzing commercial real estate and/or SBA related credits.
• 2+ years’ experience in underwriting commercial or consumer loans.
• Formal credit training and/or experience is required, and most people entering this field have attended industry-sponsored training programs in credit analysis and commercial loan underwriting usually given by banking schools or seminars.
• Experience with on-line and spreadsheet data processing.

Preferred Qualifications

• Bachelor’s degree in Business, Accounting, Finance or Economics or related.
• Small Business Administration (SBA) Lending experience.

Skills and Abilities

• Proficient in all applicable MS Office programs (i.e., Word, Excel, Outlook, Teams, SharePoint, etc.).
• Strong understanding of cash flow, leverage and liquidity, repayment sources, collateral and guarantor support, covenants, risks, and mitigants.
• Expertise in commercial lending policies, procedures, and systems.
• Strong interpersonal skills to effectively communicate.
• Excellent verbal and written communication skills, and excellent listening skills.
• Demonstrated ability to produce documents, spreadsheets, databases, etc. with Windows-based software.

Essential Duties and Responsibilities

• Monitors and manages credit risk within the commercial loan portfolio through ongoing financial analysis, covenant compliance review, risk assessment, and borrower performance evaluation.
• Prepares comprehensive annual and periodic credit reviews, including financial spreading, global cash flow analysis, trend evaluation, collateral analysis, and risk rating recommendations.
• Evaluates complex commercial loan transactions and portfolio credits by analyzing financial data, repayment capacity, guarantor support, and risk factors; provides informed credit feedback and recommendations to management and applicable loan committees.
• Reviews third-party underwriting analyses for completeness, accuracy, and alignment with Credit Union credit standards; collaborates with underwriting partners to obtain clarifications and resolve follow-up items in a timely manner.
• Conducts credit investigations and prepares well-supported credit memoranda, summaries, and risk assessments for presentation to the AVP, Commercial Lending and/or Commercial Loan Committee.
• Monitors portfolio performance, delinquency trends, and changes in borrower financial condition; proactively identifies emerging risks and escalates concerns as appropriate.
• Performs collateral analysis and valuation reviews by assessing market conditions, comparable sales, and property performance to evaluate adequacy of collateral support.
• Serves as liaison for commercial loan servicing matters, including payment monitoring, modifications, adjustments, and resolution of borrower issues; supports funding activities and reconveyance processes as needed.
• Maintains accurate and current financial documentation for commercial borrowers; communicates with Members regarding financial reporting requirements and follows up on past‑due information or payments when necessary.
• Supports process improvement initiatives and business process management efforts within the Commercial Lending department; ensures compliance with all applicable regulations, including Bank Secrecy Act requirements, and adheres to Credit Union policies and service standards.
• Complete understanding and active application the C.A.R.E. 4 Guide expectations and the Brand Communications Standards Accountability Philosophy.
• Must be able and available to work a "hybrid" schedule, per business operations requirement, as needed.
• Additional duties and responsibilities, as assigned.

We support Pay Transparency and are a pay-for-performance organization that benchmarks base pay to the 50th percentile of market data.

Pay Scale: Min. $80,105.69 / Mid. $103,226.76 / Max. $123,140.16* per year

*Actual compensation will be based on geographical location, work experience, education and/or skill level.

CU SoCal is an equal opportunity employer. All decisions are based only on the individual’s qualifications/ability to perform the work. The above statements are intended to describe the essential functions, nature and level or work to be performed as of the document preparation date; they are not intended to be an exhaustive list of all duties and responsibilities. CU SoCal reserves the right to modify this job description at any time, without notice.

We foster an environment and culture where ideas and decisions from all people help us grow, innovate, and fulfill our mission of Building Better Lives.