Commercial Portfolio Manager & Credit Analyst

Maine State Credit Union; Augusta (ME); On-site; USD 60,000 - 95,000; Full time

Job summary

An established industry player is seeking a Commercial Portfolio Manager & Credit Analyst to join its dynamic team in Augusta, Maine. This role is perfect for a credit professional who excels at financial analysis and relationship management. You will engage with local businesses, providing insights that directly impact their success while balancing risk and opportunity. With a focus on growth and member engagement, this position offers autonomy and the chance to shape the future of commercial lending. Join a mission-driven organization that values your contributions and fosters a supportive work environment.

Benefits

Employer-subsidized medical insurance

Generous PTO

Education reimbursement

401(k) employer match

Wellness reimbursement

Paid Parental Leave

100% employer paid life insurance

Free coffee and snacks

Employer-funded HRA

Employer-subsidized dental and vision insurance

Qualifications

• 3-5 years in commercial credit analysis or underwriting.
• Strong financial acumen with cash flow analysis skills.
• Excellent communication to translate complex analysis.

Responsibilities

• Perform credit analysis and assess cash flow for loans.
• Support credit requests and prepare financial reviews.
• Conduct annual reviews and risk assessments for portfolios.

Skills

Commercial Credit Analysis

Financial Statement Interpretation

Risk Rating Systems

Covenant Tracking

Regulatory Lending Compliance

Communication Skills

Attention to Detail

Education

Bachelor's Degree in Finance

Bachelor's Degree in Accounting

Bachelor's Degree in Economics

Job description

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Are you looking for a career where relationship building, sharp financial analysis, and fast-paced energy collide? Are you a credit analyst who thrives on turning financials into insight and data into action? This is the role for you. As our Commercial Portfolio Manager and Credit Analyst, you’ll be a critical player on a commercial lending team that’s helping Maine businesses thrive. You’ll balance relationship management with risk analysis — working side-by-side with our talented lenders to keep our expanding portfolio healthy, responsive, and strong.

We’re growing fast—and we need someone who can balance strong analytical skills with real-world member engagement. You’ll work across disciplines to manage credit risk, support loan decisioning, and help Maine businesses thrive.

What You’ll Do

1. Perform comprehensive credit analysis: Spread financial statements, assess cash flow, evaluate global debt service, and assign risk ratings for commercial relationships.
2. Support and underwrite credit requests: Prepare written credit memos and financial reviews for new loans, renewals, and modifications within policy and regulatory guidelines.
3. Conduct annual reviews and risk assessments: Lead the review process for commercial relationships over $250,000, providing updated credit evaluations and recommending structural adjustments when appropriate.
4. Track financial and covenant compliance: Monitor receipt of interim financial reporting, test covenant adherence, and maintain accurate exception tracking.
5. Contribute to portfolio oversight: Work collaboratively with lenders and credit leadership to manage credit risk exposure, identify trends, and support data-driven decision-making.

Why You’ll Love It

1. Engage your technical skillset: This role is ideal for credit professionals who want to go deeper into analysis while maintaining member contact.
2. Growth with impact: Be part of a high-performing team helping shape the future of commercial lending at a fast-growing credit union.
3. Autonomy and support: You’ll have the tools, guidance, and flexibility to do your best analytical work.
4. Real-world lending exposure: Build relationships with Maine business owners and see how your credit insights directly influence outcomes.
5. PLEASE NOTE: THIS IS AN ON-SITE, IN-PERSON POSITION. CANDIDATE MUST RESIDE IN STATE OF MAINE, POSSIBLE HYBRID OPPORTUNITY ONCE FULLY TRAINED

Qualified Candidates Bring

1. 3–5 years of experience in commercial credit analysis, portfolio management, or underwriting
2. Strong financial acumen with the ability to interpret tax returns, financial statements, and cash flow analysis
3. Proficiency with risk rating systems, covenant tracking, and regulatory lending compliance
4. A bachelor’s degree in Finance, Accounting, Economics, or a related field
5. Excellent written and verbal communication skills—you can translate complex analysis into clear recommendations
6. Attention to detail and a methodical, inquisitive approach to credit risk

Want to apply your credit analysis skills where they make a direct impact? Join a mission-driven financial institution that values sound judgment, data-driven lending, and helping local businesses succeed.

Maine State Credit Union — Members are our bottom line. Belong with us

Benefits Of Employment With Maine State Credit Union

In addition to our world-class culture, a fun and supportive work-environment our employees appreciate the work-life harmony they are able to achieve as part of our team.

• We are also proud of the benefits we offer:
• Employer-subsidized medical insurance plans, includes one plan with employer paid premiums of 100%
• HSA – generous employer contribution
• Employer funded HRA
• Employer-subsidized Dental and Vision Insurance
• 100% employer paid - Life, Short-Term Disability and Long-Term Disability Insurance
• Accident Insurance
• Competitive wages, and annual evaluations with compensation adjustments
• 401(k) employer match, plus annual discretionary contribution
• Generous PTO with immediate PTO accruals + 8 hrs of birthday PTO & 12 paid holidays
• Paid Parental Leave
• Education reimbursement - up to $5,000 annually for undergraduate & $10,000 annually for graduate degree
• Opportunities to volunteer in our local communities
• 100% Employer Paid EAP which includes 8 free mental health sessions
• Wellness Reimbursement of up to $150
• Free coffee, tea, and hot chocolate and an abundance of food

Seniority level

• Mid-Senior level

Employment type

• Full-time

Job function

• Finance and Sales

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