Commercial Portfolio/Credit Manager

Responsible for the support of the Commercial Lending function, including assistance with loan questions, accompanying loan officers on calls when needed, preparation and presentation of loans to management and/or the Loan Committee, and the processing and closing of commercial loans.

· Review commercial and business loan applications and ensure proper loan disclosure.

· Perform credit analysis to evaluate creditworthiness of commercial applications, including financial statement spreads, cash flows, rental economics, appraisal and environmental reviews, and all other aspects of underwriting.

· Compare liquidity, profitability, and credit to similar businesses in the same geographic location. 

· Ensure departmental compliance with all applicable Federal, State, laws, and regulations.  

· Monitor existing loan portfolios to maintain a high-quality asset base and maintain up to date member files, including current financials, and all other required documentation.  

· Evaluate member hardship requests to recommend payment plans as necessary.

· Consult with members to resolve loan concerns or member issues.

· Determine risk in extending credit and assign appropriate loan/risk grade.

Education and Experience:

· Bachelor's degree in business, accounting, or finance

· At least five years’ related experience required. 

· Formal credit training preferred.