Senior Commercial Portfolio Risk Manager

Georgia's Own Credit Union; Atlanta (GA); Hybrid; USD 110,000 - 140,000; Full time

Job summary

Georgia's Own Credit Union seeks a Portfolio Management Officer to provide ongoing credit surveillance and reporting for a commercial banking portfolio. The role collaborates with Lending, Credit, and Special Assets to uphold enterprise credit governance and disciplined portfolio management.

The position emphasizes proactive monitoring of borrower performance, covenant compliance, risk rating integrity, and annual reviews, within a hybrid work setup that balances office collaboration and remote

Qualifications

• Bachelor’s degree in finance, accounting, business, real estate, economics, or a related field.
• 5+ years of progressive experience in commercial banking or commercial real estate credit, with meaningful responsibility for post-origination portfolio management, credit risk monitoring, annual reviews, covenant compliance, or related portfolio surveillance activities.
• Demonstrated ability to analyze borrower and guarantor financial statements, tax returns, rent rolls, property operating statements, borrowing base certificates, global cash flow, collateral performance, and other credit monitoring information.
• Experience with commercial real estate and commercial & industrial lending, including ongoing risk assessment for construction, acquisition, income-producing real estate, owner-occupied real estate, lines of credit, and other commercial credit structures.
• Experience supporting problem credit identification, watchlist administration, criticized/classified asset monitoring, examiner reviews, audit requests, or loan review processes strongly preferred.
• Strong attention to detail, sound judgment, and the ability to identify emerging risk trends and elevate concerns appropriately.

Responsibilities

• Oversee ongoing financial performance monitoring for an assigned commercial banking and commercial real estate loan portfolio.
• Track covenant compliance and post-closing requirements; follow up with partners and borrowers to resolve deficiencies.
• Maintain accurate risk ratings by identifying material changes and recommending actions when warranted.
• Administer watchlist relationships and identify adverse trends before delinquency occurs.
• Coordinate and complete annual reviews, portfolio reviews, renewals, and surveillance activities.
• Prepare portfolio surveillance and risk reporting for management and committees.
• Monitor portfolio concentrations by industry, property type, geography, and other factors.
• Partner with Lending, Underwriting, Credit Administration, Loan Operations, and Special Assets to ensure coordinated risk management.
• Support internal audit, loan review, and regulatory requests with accurate portfolio data.
• Maintain complete portfolio documentation suitable for audit and regulatory review.
• Maintain knowledge of portfolio management practices and applicable compliance requirements.
• Perform other duties as assigned.

Skills

Portfolio management

Credit risk monitoring

Post-origination surveillance

Annual reviews

Covenant compliance

Watchlist management

Analytical skills

Communication with partners

Education

Bachelor's degree

Job description

Georgia's Own Credit Union seeks a Portfolio Management Officer to provide ongoing credit surveillance and reporting for a commercial banking portfolio. The role collaborates with Lending, Credit, and Special Assets to uphold enterprise credit governance and disciplined portfolio management.

The position emphasizes proactive monitoring of borrower performance, covenant compliance, risk rating integrity, and annual reviews, within a hybrid work setup that balances office collaboration and remote