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Desert Financial Credit Union · 5 hours ago

Commercial Real Estate Portfolio Manager

Phoenix, AZ

Full-time

Onsite

Senior Level

5+ years exp

Desert Financial Credit Union is seeking a Commercial Real Estate Portfolio Manager responsible for managing and monitoring a portfolio of commercial real estate loans. This role involves close collaboration with loan officers, conducting financial analyses, and maintaining strong relationships with members to ensure high-quality service.

BankingFinance

Responsibilities

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, manage maturities and delinquencies, identify changes in loan grading, if needed develop loss mitigation or asset recovery plans, retain current relationships, and identify additional business and business owner relationship enhancement opportunities

Perform credit underwriting duties for existing/prospective member relationships, which may include but are not limited to the following perform detailed credit analysis to determine borrower/guarantor repayment capacity, appropriate loan structuring recommendations, complete credit packages for credit committee approval (annual reviews/new business/renewals) submission

Preparation of underwriting documents will also include collateral analysis on multiple asset classes and preparation of pricing and risk rating models suitable for each credit request

Continuously monitor covenant compliance with regular reporting requirements to loan officers and loan/credit monitoring and credit review

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, which includes 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

Qualification

Credit/Portfolio ManagementCommercial Loan UnderwritingFinancial AnalysisRegulatory KnowledgeMicrosoft Office SuiteAnalytical SkillsTime ManagementCustomer FocusCommunication SkillsAdaptability

Required

Bachelor's degree in Business, Accounting, or Finance; or equivalent combination of education and experience

5+ years of Credit/Portfolio Management and Administration experience

5+ years of experience in Commercial Loan Underwriting, both Commercial Real Estate and Commercial & Industrial (C&I) loans

Strong time management and organizational skills with the ability to multi-task, balance multiple priorities, and meet deadlines in a dynamic, high-pressure environment

Demonstrates a strong member and customer focus, building collaborative relationships and demonstrating strong influence and negotiation skills with internal stakeholders, external partners, and vendors

Excellent written, verbal, and presentation communication skills; able to convey complex information clearly and professionally across all levels

Strong analytical, problem-solving, and critical thinking skills with the ability to assess financial data and identify risk and recommend sound solutions

In-depth knowledge of applicable Federal, State, and Credit Union regulations, including commercial and real estate lending requirements

Demonstrates adaptability, accountability, and the ability to apply critical thinking and sound judgment while contributing effectively in both independent and team settings

Comprehensive understanding of credit and loan documentation policies and procedures

Proficiency with Microsoft Office Suite (Word, Excel, Outlook, PowerPoint) and the ability to quickly learn lending and credit systems