Senior Commercial Portfolio Manager

Ent Credit Union; Apple Valley (MN); On-site; USD 135,000 - 158,000; Full time

Benefits offered by this job

Health Insurance

401(k) Match

Paid Vacation

Job summary

Ent Credit Union is seeking a seasoned professional to partner with the commercial lending team in managing the less active commercial loan portfolio and providing member-centric service.

You will assist in ongoing monitoring, administration, and reporting to maintain high credit quality and promote appropriate lending opportunities. This role emphasizes strong financial analysis and collaboration with credit and operations teams.

Qualifications

• Bachelor's Degree in finance, accounting, or related field preferred or equivalent work experience.
• 5+ years of credit analysis/underwriting experience in commercial and CRE.

Responsibilities

• Manage relationship and member servicing of the less active commercial loan portfolio.
• Develop relationships with members seeking new lending and deposit opportunities.
• Respond timely to commercial member servicing requests.
• Draft loan documentation and review with external counsel.
• Monitor portfolio to ensure high credit quality and compliance with credit policy.
• Prepare quarterly problem loan reports.

Skills

Relationship management

Credit analysis

Financial analysis

Analytical skills

Communication skills

Team collaboration

Adaptability

Education

Bachelor's degree in finance or accounting

Tools

Excel

Word

PowerPoint

Job description

Ent Credit Union and Wings Credit Union joined forces in January 2026. This merger means more opportunities, expanded resources, and a shared commitment to delivering exceptional member service. Together, we become more - empowering members, communities, and teams through a bold, unified future. Both organizations bring a strong legacy of member satisfaction, operational excellence, financial stability, and community impact. Recognized locally and nationally as best-in-class financial institutions and employers of choice, each is known for its commitment to financial well-being and philanthropic leadership. Join us during this transformative time and be part of shaping the future of banking! To learn more about the merger, click here.

Job Description

Partner with the commercial lending team to manage the less active commercial loan portfolio by providing relationship management, loan servicing and requests, member centric service, and promoting products and services where beneficial. Also assist the commercial lenders in the ongoing monitoring, administration, and reporting of the total loan portfolio to ensure that the Credit Union maintains high credit quality.

Essential Functions

• Responsibility for relationship management and member servicing of the less active commercial loan portfolio.
• Develop relationships with members in loan portfolios seeking new lending and deposit opportunities.
• Respond timely and accurately to commercial member servicing requests, where appropriate.
• Accompany the Commercial Lenders on prospect / member calls when appropriate.
• Analyze the commercial portfolio on an ongoing basis to identify potential risks.
• Develop and monitor reporting to ensure compliance with credit policy and procedures.
• Collaborate with credit and operations team on improvements to systems, processes, and procedures and maintain relationships with certain vendors as deemed appropriate.
• Draft Loan Documentation and review with external legal counsel.
• Complete loan closings utilizing proper procedures, loan documentation, review and titling.
• Research and identify market trends and risks to assist commercial lenders in maintaining high quality loan portfolio.
• Perform detailed financial analysis for individual Commercial Real Estate transactions as well the commercial portfolio as a whole.
• Prepare quarterly problem loan reports where required.
• Ensure the timely spreading of interim and annual financial statements provided by members.
• Assist with annual covenant reviews as needed
• Manage/monitor portfolio for: * Required Financial Reporting & Covenant Compliance
• Ensure compliance with the Credit Union's credit policies and procedures, identifying exceptions for approval when they occur.
• Bank Secrecy Act: Remains cognizant of and adheres to Wings policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Qualifications

• Bachelor's Degree in finance, accounting, or related field preferred or equivalent work experience as demonstrated by increased levels of accountability, knowledge required
• 5+ years of relevant experience in credit analysis, underwriting, or loan production as it relates to commercial and commercial real estate, required

Technical Or Specialized Knowledge/Skills

• Demonstrated knowledge of accounting theory and its practical application in the credit underwriting process.
• Experienced and proficient in Microsoft Office products, including: Excel, Word and Powerpoint
• Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, competition and projections.
• Desire, ability and experience in working with people in a professional setting as demonstrated by a positive, enthusiastic attitude, exceptional interpersonal skills, professional business appearance and previous work experience
• Excellent oral and written communication skills.
• Member Focused: Proven ability to build strong customer/member relationships and delivering customer/member-centric solutions.
• Collaborates: Known for building partnerships and working collaboratively with others to meet shared objectives.
• Action Oriented: Proven track record of taking on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm.
• Situational Adaptability: Ability to adapt approach and demeanor in real time to match the shifting demands of different situations.

Additional Information

PAY RANGE: $135,000.00 to $158,000.00 Annually (S18), plus 15% annual target bonus.

Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, location and internal pay equity.

Benefits

• Generous 401(k) match
• 401k Discretionary Profit Sharing
• Health Insurance
• Dental Insurance
• Vision Insurance
• Life Insurance
• Short Term and Long Term Disability
• Health Savings Account with company contribution
• Employee Assistance Program
• Paid Vacation, Sick, Floating Holidays and Volunteer Time Off
• Paid Holidays
• Tuition Reimbursement
• Paid Parental Leave

We anticipate this position to close on 09/14/2026.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.