Commercial Portfolio/Credit Manager

ATLANTIC FEDERAL CREDIT UNION; Springfield (NJ); On-site; USD 80,000 - 120,000; Full time

Job summary

ATLANTIC FEDERAL CREDIT UNION is seeking a Commercial Lending Support professional to assist loan officers, prepare and present loans to management, and oversee processing and closing of commercial loans.

The role emphasizes thorough credit analysis, regulatory compliance, and strong member relations, including processing disclosures, underwriting, and portfolio monitoring to sustain a high-quality loan base.

Qualifications

• Review loan applications and ensure proper loan disclosure.
• Perform credit analysis including financial spreads, cash flows, and underwriting.
• Monitor portfolios and maintain member files with required documentation.

Responsibilities

• Review commercial and business loan applications and ensure proper loan disclosure.
• Perform credit analysis to evaluate creditworthiness including financial spreads and cash flows.
• Compare liquidity, profitability, and credit to similar businesses in the same geographic location.
• Ensure departmental compliance with all applicable laws and regulations.
• Monitor existing loan portfolios and up-to-date member files.
• Evaluate hardship requests for payment plans as necessary.
• Consult with members to resolve loan concerns or issues.
• Determine risk in extending credit and assign loan/risk grade.

Skills

Credit analysis

Loan underwriting

Financial statement analysis

Communication

Education

Bachelor's degree in business, accounting, or finance

Job description

Description

Responsible for the support of the Commercial Lending function, including assistance with loan questions, accompanying loan officers on calls when needed, preparation and presentation of loans to management and/or the Loan Committee, and the processing and closing of commercial loans.

• Review commercial and business loan applications and ensure proper loan disclosure.
• Perform credit analysis to evaluate creditworthiness of commercial applications, including financial statement spreads, cash flows, rental economics, appraisal and environmental reviews, and all other aspects of underwriting.
• Compare liquidity, profitability, and credit to similar businesses in the same geographic location.
• Ensure departmental compliance with all applicable Federal, State, laws, and regulations.
• Monitor existing loan portfolios to maintain a high-quality asset base and maintain up to date member files, including current financials, and all other required documentation.
• Evaluate member hardship requests to recommend payment plans as necessary.
• Consult with members to resolve loan concerns or member issues.
• Determine risk in extending credit and assign appropriate loan/risk grade.

Requirements

Education and Experience:

• Bachelor's degree in business, accounting, or finance
• At least five years’ related experience required.
• Formal credit training preferred.