Hybrid: Commercial Loan Portfolio Manager

Central-One-Federal-Credit-Union; Auburn (MA); Hybrid; USD 76,000 - 98,000; Full time

Job summary

Central One Federal Credit Union is seeking a Commercial Lending Analyst to manage the commercial loan portfolio with a focus on risk assessment and creditworthiness. You will prepare comprehensive analyses, ensure timely renewals, and support lenders with detailed commentary for decision-making.

The role requires 3-5 years in financial analysis within banking, a Bachelor’s in accounting or finance, and strong knowledge of credit risk factors. Hybrid work arrangement offered after training.

Qualifications

• Bachelor’s degree required, preferably in accounting or finance.
• 3-5 years of financial analysis experience in a banking environment; working knowledge of commercial credit analysis.
• Knowledge of credit and financial analysis techniques; strong understanding of loan risk factors; ability to independently gather, consolidate, analyze and summarize data for credit decisions.

Responsibilities

• Coordinate and collect monthly, quarterly, and annual financial reporting for commercial loan members.
• Monitor collateral, credit quality and risk ratings; provide early warning of deterioration.
• Ensure timely loan renewals, covenant monitoring and relationship reviews.
• Prepare clear credit documentation, review memoranda, and risk commentary for approvals/audits.
• Review exceptions, maturity exposure and covenant breaches; track or escalate issues.
• Approve commercial loan requests and modifications within delegated authority.
• Develop reports for loan concentration and property sensitivity analyses.
• Conduct in-depth underwriting of borrower creditworthiness and financial condition.

Skills

Credit analysis techniques

Loan risk factors

Data gathering & summarization

Education

Bachelor's in accounting or finance

Job description

Central One Federal Credit Union is seeking a Commercial Lending Analyst to manage the commercial loan portfolio with a focus on risk assessment and creditworthiness. You will prepare comprehensive analyses, ensure timely renewals, and support lenders with detailed commentary for decision-making.

The role requires 3-5 years in financial analysis within banking, a Bachelor’s in accounting or finance, and strong knowledge of credit risk factors. Hybrid work arrangement offered after training.