Commercial Portfolio Manager & Credit Analyst

Maine Credit Union League; Indiana (PA); On-site; USD 70,000 - 90,000; Full time

Job summary

A leading credit union in Maine is seeking a Commercial Portfolio Manager & Credit Analyst. This role combines financial analysis with relationship management to support local businesses. Ideal candidates will have strong analytical skills and a background in credit analysis. Join a fast-growing team committed to making a positive impact in the community.

Benefits

Employer-subsidized medical insurance

Generous 401(k) employer match

Paid parental leave

Education reimbursement

Wellness reimbursement

Free coffee and snacks

Qualifications

• 3–5 years of experience in commercial credit analysis or underwriting.
• Strong financial acumen to interpret financial statements.
• Excellent written and verbal communication skills.

Responsibilities

• Perform comprehensive credit analysis and risk ratings.
• Support and underwrite credit requests within guidelines.
• Conduct annual reviews and risk assessments for relationships.

Skills

Financial Analysis

Relationship Management

Credit Risk Assessment

Communication

Education

Bachelor's Degree in Finance

Bachelor's Degree in Accounting

Bachelor's Degree in Economics

Job description

Maine State CU is hiring a Commercial Portfolio Manager & Credit Analyst at its Augusta location.

Description:

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:

• Perform Comprehensive Credit Analysis: Spread financial statements, assess cash flow, evaluate global debt service, and assign risk ratings for commercial relationships.
• Support and Underwrite Credit Requests: Prepare written credit memos and financial reviews for new loans, renewals, and modifications within policy and regulatory guidelines.
• 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.
• Track Financial and Covenant Compliance: Monitor receipt of interim financial reporting, test covenant adherence, and maintain accurate exception tracking.
• 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:

• Engage your technical skillset: This role is ideal for credit professionals who want to go deeper into analysis while maintaining member contact.
• Growth with impact: Be part of a high-performing team helping shape the future of commercial lending at a fast-growing credit union.
• Autonomy and support: You’ll have the tools, guidance, and flexibility to do your best analytical work.
• Real-world lending exposure: Build relationships with Maine business owners and see how your credit insights directly influence outcomes.

*PLEASE NOTE: THIS IS AN ON-SITE, IN-PERSON POSITION. CANDIDATE MUST RESIDE IN STATE OF MAINE, POSSIBLE HYBRID OPPORTUNITY ONCE FULLY TRAINED*

Qualifications:

Qualified Candidates Bring:

• 3–5 years of experience in commercial credit analysis, portfolio management, or underwriting
• Strong financial acumen with the ability to interpret tax returns, financial statements, and cash flow analysis
• Proficiency with risk rating systems, covenant tracking, and regulatory lending compliance
• A bachelor’s degree in finance, accounting, economics, or a related field
• Excellent written and verbal communication skills—you can translate complex analysis into clear recommendations
• 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.Apply today!

Maine State CU — Strengthening Maine, One Member at a Time.

Benefits of Employment with Maine State CU:

In addition to our world-class culture, a fun and supportive work environment and opportunities to learn and grow, 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%
• Employer-funded HRA
• Employer-subsidized dental and vision insurance
• 100% employer paid – life, short-term disability, and long-term disability insurance
• Competitive wages and annual evaluations with compensation adjustments
• Generous 401(k) employer match, plus annual discretionary contribution
• Generous PTO with immediate PTO accruals + 8 hours 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 Employee Assistance Program (EAP), which includes 6 free mental health sessions
• Wellness reimbursement of up to $150
• Free coffee, tea, and hot chocolate and an abundance of food