Desert Financial Credit Union
Commercial Real Estate Portfolio Manager
Desert Financial Credit Union, Phoenix, Arizona, United States, 85003
Commercial Real Estate Portfolio Manager – Desert Financial Credit Union
The Commercial Real Estate Portfolio Manager is responsible for managing and monitoring a portfolio of commercial real estate loans, typically exceeding $1,000,000, to ensure the overall health and profitability of the credit union’s lending portfolio. This role partners closely with loan officers to support all portfolio management activities for an assigned credit portfolio, including covenant compliance, credit analysis, and risk monitoring. The Portfolio Manager conducts in‑depth financial and collateral analyses, identifies potential credit or operational risks, and recommends appropriate actions to mitigate exposure. In addition, this position plays a key role in maintaining strong relationships with members and supporting the delivery of high‑quality service to commercial clients. What you will do here:
Portfolio Management:
Actively manages a large diverse loan portfolio with borrowers located throughout the credit union’s trade area. Duties include but are not limited to annual reviews, covenant testing, site visits, managing maturities and delinquencies, identifying changes in loan grading, developing loss mitigation or asset recovery plans as needed, retaining current relationships, and identifying additional business and business‑owner relationship enhancement opportunities. Underwriting:
Perform credit underwriting duties for existing/prospective member relationships, which may include but are not limited to detailed credit analysis to determine borrower/guarantor repayment capacity, appropriate loan structuring recommendations, and complete credit packages for credit committee approval (annual reviews/new business/renewals). Preparation of underwriting documents also includes collateral analysis on multiple asset classes and preparation of pricing and risk rating models suitable for each credit request. Compliance:
Continuously monitor covenant compliance with regular reporting requirements to loan officers and credit monitoring, establish protocols and maintain tracking of documentation exceptions, past dues, field exams, borrowing base reports, and covenant exceptions. Provide recurring customer service to existing members, including direct contact with customers either through participation in joint sales calls with loan officers or direct correspondence with clients, and perform various projects/tasks as needed. Perform other job‑related duties as assigned. What you will need:
Bachelor's degree in Business, Accounting, or Finance; or equivalent combination of education and experience
required. 5+ years of Credit/Portfolio Management and Administration experience
required. 5+ years of experience in Commercial Loan Underwriting, both Commercial Real Estate and Commercial & Industrial (C&I) loans
required. Strong time management and organizational skills with the ability to multi‑task, balance multiple priorities, and meet deadlines in a dynamic, high‑pressure environment
required. Demonstrates a strong member and customer focus, building collaborative relationships and demonstrating strong influence and negotiation skills with internal stakeholders, external partners, and vendors
required. Excellent written, verbal, and presentation communication skills; able to convey complex information clearly and professionally across all levels
required. Strong analytical, problem‑solving, and critical thinking skills with the ability to assess financial data and identify risk and recommend sound solutions
required. In‑depth knowledge of applicable Federal, State, and Credit Union regulations, including commercial and real estate lending requirements
required. Demonstrates adaptability, accountability, and the ability to apply critical thinking and sound judgment while contributing effectively in both independent and team settings
required. Comprehensive understanding of credit and loan documentation policies and procedures
required. Proficiency with Microsoft Office Suite (Word, Excel, Outlook, PowerPoint) and the ability to quickly learn lending and credit systems
required. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug‑free workplace and perform pre‑employment substance abuse testing. For additional information about our organization, careers, and benefits visit: http://www.desertfinancial.com/careers.
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The Commercial Real Estate Portfolio Manager is responsible for managing and monitoring a portfolio of commercial real estate loans, typically exceeding $1,000,000, to ensure the overall health and profitability of the credit union’s lending portfolio. This role partners closely with loan officers to support all portfolio management activities for an assigned credit portfolio, including covenant compliance, credit analysis, and risk monitoring. The Portfolio Manager conducts in‑depth financial and collateral analyses, identifies potential credit or operational risks, and recommends appropriate actions to mitigate exposure. In addition, this position plays a key role in maintaining strong relationships with members and supporting the delivery of high‑quality service to commercial clients. What you will do here:
Portfolio Management:
Actively manages a large diverse loan portfolio with borrowers located throughout the credit union’s trade area. Duties include but are not limited to annual reviews, covenant testing, site visits, managing maturities and delinquencies, identifying changes in loan grading, developing loss mitigation or asset recovery plans as needed, retaining current relationships, and identifying additional business and business‑owner relationship enhancement opportunities. Underwriting:
Perform credit underwriting duties for existing/prospective member relationships, which may include but are not limited to detailed credit analysis to determine borrower/guarantor repayment capacity, appropriate loan structuring recommendations, and complete credit packages for credit committee approval (annual reviews/new business/renewals). Preparation of underwriting documents also includes collateral analysis on multiple asset classes and preparation of pricing and risk rating models suitable for each credit request. Compliance:
Continuously monitor covenant compliance with regular reporting requirements to loan officers and credit monitoring, establish protocols and maintain tracking of documentation exceptions, past dues, field exams, borrowing base reports, and covenant exceptions. Provide recurring customer service to existing members, including direct contact with customers either through participation in joint sales calls with loan officers or direct correspondence with clients, and perform various projects/tasks as needed. Perform other job‑related duties as assigned. What you will need:
Bachelor's degree in Business, Accounting, or Finance; or equivalent combination of education and experience
required. 5+ years of Credit/Portfolio Management and Administration experience
required. 5+ years of experience in Commercial Loan Underwriting, both Commercial Real Estate and Commercial & Industrial (C&I) loans
required. Strong time management and organizational skills with the ability to multi‑task, balance multiple priorities, and meet deadlines in a dynamic, high‑pressure environment
required. Demonstrates a strong member and customer focus, building collaborative relationships and demonstrating strong influence and negotiation skills with internal stakeholders, external partners, and vendors
required. Excellent written, verbal, and presentation communication skills; able to convey complex information clearly and professionally across all levels
required. Strong analytical, problem‑solving, and critical thinking skills with the ability to assess financial data and identify risk and recommend sound solutions
required. In‑depth knowledge of applicable Federal, State, and Credit Union regulations, including commercial and real estate lending requirements
required. Demonstrates adaptability, accountability, and the ability to apply critical thinking and sound judgment while contributing effectively in both independent and team settings
required. Comprehensive understanding of credit and loan documentation policies and procedures
required. Proficiency with Microsoft Office Suite (Word, Excel, Outlook, PowerPoint) and the ability to quickly learn lending and credit systems
required. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug‑free workplace and perform pre‑employment substance abuse testing. For additional information about our organization, careers, and benefits visit: http://www.desertfinancial.com/careers.
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