Commercial Loan Portfolio Manager

Description

We are looking for a Commercial Loan Portfolio Manager to support a growing credit union’s commercial lending team near Central, Massachusetts. This position is well suited for a detail-oriented banking specialist who can evaluate borrower financial performance, identify credit risk, and help maintain a sound commercial loan portfolio. The role combines portfolio oversight, credit analysis, and close partnership with lenders to support thoughtful credit decisions and strong member service.

Responsibilities:

• Oversee the ongoing collection, review, and maintenance of borrower financial records to keep portfolio data complete and current.

• Evaluate commercial relationships for repayment capacity, collateral strength, covenant performance, and changes in overall risk profile.

• Conduct recurring portfolio reviews and assist with renewals to ensure lending relationships remain appropriately structured and monitored.

• Prepare thorough credit assessments by analyzing financial statements, tax returns, cash flow trends, projections, and supporting collateral information.

• Review real estate operating performance, including revenue, expenses, and debt service coverage, to assess property-backed lending requests.

• Develop well-organized credit memoranda, portfolio commentary, and management reporting that clearly present findings and recommendations.

• Examine modification requests, exception items, maturity exposure, and documentation gaps, and escalate concerns when needed.

• Provide analytical support to commercial lenders and lending committees while assisting with audits, regulatory reviews, and concentration reporting.

• Meet with applicants or borrowers as appropriate to help assess creditworthiness and support relationship development opportunities.

Requirements • 3–5 years of experience in financial analysis within a banking or credit union environment.

• Practical knowledge of commercial credit evaluation, underwriting principles, and portfolio risk monitoring.

• Ability to interpret financial statements, tax documentation, cash flow performance, and collateral data with a high degree of accuracy.

• Familiarity with commercial real estate lending concepts, including property income analysis and debt service coverage review.

• Strong organizational skills with careful attention to detail and the ability to manage multiple deadlines effectively.

• Sound judgment and confidence in forming recommendations based on financial and credit information.

• Clear written and verbal communication skills for presenting analysis to lenders, committees, and leadership.

• Detail-oriented, dependable, and collaborative approach with the initiative to work independently when needed.

Robert Half is the world’s first and largest specialized talent solutions firm that connects highly qualified job seekers to opportunities at great companies. We offer contract, temporary and permanent placement solutions for finance and accounting, technology, marketing and creative, legal, and administrative and customer support roles.

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All applicants applying for U.S. job openings must be legally authorized to work in the United States. Benefits are available to contract/temporary professionals, including medical, vision, dental, and life and disability insurance. Hired contract/temporary professionals are also eligible to enroll in our company 401(k) plan. Visit roberthalf.gobenefits.net for more information.

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