Role OverviewAs a Commercial Portfolio Analyst II, you will oversee a segment of Commercial Real Estate (CRE) loans after origination, focusing on maintaining credit integrity and regulatory compliance. Your work ensures that moderately complex loans with moderate exposure continue to meet policy requirements throughout their lifecycle.
Key Responsibilities
- Manage assigned CRE loan portfolios by conducting timely reviews, renewals, and decisioning in alignment with established guidelines.
- Maintain complete, accurate, and current credit documentation for all assigned loans.
- Issue Annual Review letters to borrowers to collect required financial reporting and update portfolio tracking accordingly.
- Collaborate directly with borrowers and relationship managers to gather financial data, assess compliance, and keep pipelines updated.
- Analyze business and personal tax returns, financial statements, and global cash flows to evaluate repayment capacity and creditworthiness.
- Prepare comprehensive annual review memos that assess covenant adherence, property performance, guarantor strength, and industry-specific risks.
- Identify and document key risk factors and mitigation strategies for each loan, providing clear recommendations for ongoing management.
- For loans showing signs of deterioration, determine root causes and recommend appropriate monitoring protocols.
- Ensure accurate reporting of loan data within the credit union’s commercial lending and core banking systems.
- Coordinate with lending operations, servicing, workout teams, legal advisors, and loan participants to resolve off-cycle requests such as lease reviews, escrow releases, or changes in ownership or guarantors.
- Set clear expectations with stakeholders, secure necessary approvals per policy, and manage participant requirements when applicable.
- Demonstrate proficiency in the Commercial Loan Portfolio Management system and independently extract borrower, guarantor, and loan data from the DNA core platform.
Required Qualifications
- Minimum of three years of experience in commercial lending, with hands-on work reviewing business and personal financial statements and tax returns.
- Strong understanding of CRE financial spreading, including analysis of business and personal tax documents, financial statements, and global cash flow.
- Experience evaluating CRE collateral, including rent rolls, lease terms, and basic valuation techniques.
- Familiarity with CRE loan structures and related legal documentation.
- Proven ability in credit analysis and clear, concise report writing.
- Background in managing commercial loan portfolios and tracking performance over time.
- Effective communication skills, both written and verbal, with the ability to interact professionally across teams.
- Detail-oriented with strong organizational and analytical capabilities.
- Adaptable to fast-paced, evolving environments within financial institutions.
Preferred Qualifications
- Bachelor’s degree in Finance, Accounting, Business, Economics, or a related discipline.
- Completion of a foundational CRE lending training program, either internal or external.
Technology Environment
Commercial Loan Portfolio Management system and DNA core banking platform.
Work Mode
This role operates in a hybrid format with flexible work options available, supporting a balanced approach to in-office collaboration and remote productivity.
