Commercial Underwriter and Portfolio Manager

Raiz Federal Credit Union; El Paso (TX); On-site; USD 90,000 - 140,000; Full time

Job summary

Raiz Federal Credit Union in El Paso seeks a Commercial Portfolio Manager / Underwriter. The role reviews real-estate and non-real estate loan underwriting, prepares underwriting summaries, and assists lenders with presentations and financial analysis.

The position reports to the Business Services Operations Administrator and is onsite at the Raiz Business Services Center. Expect salary commensurate with experience, with standard Monday–Friday hours and occasional Saturdays.

Qualifications

• Bachelor’s degree in Business Administration or related field.
• Thorough knowledge of credit products, lending policy, applicable laws and regulations.
• Minimum 5+ years of credit analysis and/or loan review experience, preferably in banking, with 8 years of related lending experience.
• Strong analytical skills to interpret complex financial information and identify risk.
• Ability to manage multiple transactions and meet deadlines.
• Excellent communication skills, strong business writing, and an entrepreneurial mindset.
• High integrity, detail‑oriented, and ability to evaluate and mitigate risk.
• Proficient in Microsoft Office, with Excel Pivot Table knowledge a plus.
• Previous credit union experience is a plus.

Responsibilities

• Review and analyze financial statements, prepare loan presentations, and assist commercial lenders with loan committee presentations.
• Perform financial statement spreading and analysis on new and existing loan relationships.
• Evaluate creditworthiness of borrowers and guarantors by assessing cash flow and debt serviceability.
• Conduct market analysis for each loan presentation based on the borrower’s industry.
• Calculate financial ratios from financial statements and data provided.
• Provide recommendations on loan structures, payment plans, and interest rates to commercial lenders.
• Assist in writing clear and concise loan presentations that adhere to prudent underwriting standards.
• Ensure compliance with credit union policies, procedures, and applicable regulations.
• Communicate with borrowers, guarantors, controllers, and accountants to gather additional information and interpret financial statements.
• Provide guidance and answer questions related to credit union services, supporting cross‑selling efforts and problem resolution.
• Maintain working relationships with credit union personnel, lending team, and management.
• Comply with BSA rules, CIP, and attend required annual BSA and compliance training.
• Assist with business loan portfolio oversight, including tickler reports, monthly and quarterly reporting, and chairing business services policy.

Skills

Credit analysis

Lending policy

Financial analysis

Communication

Education

Bachelor’s Degree in Business Administration

Tools

Microsoft Office

Excel Pivot Tables

Job description

Job Details

Job Location: Mortgage and Business Services Center – El Paso, TX 79925

Position Type: Full Time

Raiz FCU is a community‑focused credit union serving El Paso since 1936.

Job Overview

This position reports to the Business Services Operations Administrator and serves as the Commercial Portfolio Manager / Underwriter. The role independently reviews loan underwriting for real‑estate secured and non‑real‑estate secured loans, prepares underwriting summaries, and assists commercial lenders with loan presentations and financial analysis.

Position Details

Location: Onsite at Raiz Business Services Center, 6610 Continental Dr., El Paso, TX 79925

Compensation: Salary, commensurate with experience

Hours: Monday through Friday, occasional Saturdays

Qualifications

• Bachelor’s Degree in Business Administration or related field
• Thorough knowledge of credit products, commercial lending policy, applicable laws and regulations, and credit quality standards
• Minimum 5+ years of credit analysis and/or loan review experience, preferably in banking, with 8 years of related lending experience
• Strong analytical skills and the ability to interpret complex financial information and identify risk
• Ability to manage multiple transactions simultaneously and prioritize assignments to meet deadlines
• Excellent communication skills, strong business writing, and an entrepreneurial mindset
• High integrity, detail‑oriented, and ability to evaluate and mitigate risk
• Proficient in Microsoft Office, with Excel Pivot Table knowledge a plus
• Previous credit union experience is a plus

Role Description and Essential Duties

• Review and analyze financial statements, prepare loan presentations, and assist commercial lenders with loan committee presentations.
• Perform financial statement spreading and analysis on new and existing loan relationships.
• Evaluate creditworthiness of borrowers and guarantors by assessing cash flow and debt serviceability.
• Conduct market analysis for each loan presentation based on the borrower’s industry.
• Calculate financial ratios from financial statements and data provided.
• Provide recommendations on loan structures, payment plans, and interest rates to commercial lenders.
• Assist in writing clear and concise loan presentations that adhere to prudent underwriting standards.
• Ensure compliance with credit union policies, procedures, and applicable regulations.
• Communicate with borrowers, guarantors, controllers, and accountants to gather additional information and interpret financial statements.
• Provide guidance and answer questions related to credit union services, supporting cross‑selling efforts and problem resolution.
• Maintain working relationships with credit union personnel, lending team, and management.
• Comply with BSA rules, CIP, and attend required annual BSA and compliance training.
• Assist with business loan portfolio oversight, including tickler reports, monthly and quarterly reporting, and chairing business services policy.
• Carry out additional duties as assigned.