Commercial Portfolio Manager at Horizon Credit Union

Garden City, Idaho, United States -

Full Time

Start Date

Immediate

Expiry Date

02 Jul, 26

Salary

52.51

Posted On

03 Apr, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Commercial underwriting, Portfolio management, Commercial real estate, SBA 504, Credit analysis, Risk management, Covenant compliance, Financial analysis, Cash flow analysis, Syndication, Stress testing, Credit governance, Relationship management, Loan policy, Risk rating integrity

Industry

Banking

Description

Description YOUR PURPOSE Serve as a key contributor to the underwriting and portfolio management of commercial relationships, primarily commercial real estate (owner-occupied and non-owner occupied) with SBA 504 exposure, supporting safe and sound credit outcomes, strong portfolio performance, and an exceptional member experience. In this role, you will partner closely with Commercial Relationship Officers (CRO), Business Development Officers (BDO), and Commercial Credit leadership to structure, underwrite, present, and manage commercial credits in accordance with Commercial Loan Policy and assigned authority. Depending on level of hire, you will either support or independently lead underwriting, annual reviews, renewals, and ongoing monitoring, maintain credit quality and risk rating integrity, ensure covenant compliance, and proactively identify and escalate emerging credit risk. The role contributes to portfolio consistency, exam readiness, and disciplined credit governance while supporting relationship growth and risk-adjusted returns. OVERALL ROLE SCOPE & ACCOUNTABILITY CPM I Developing-level individual contributor Operates with guidance from senior CPMs and Credit Administration Owns defined components of underwriting, annual reviews, and monitoring Positioned above entry-level (Credit Analyst / CBLO) but still learning independence CPM II Primary risk steward for assigned portfolio Operates with independent credit judgment and delegated authority Fully accountable for: Credit quality Risk rating integrity Covenant compliance Escalation of emerging risk Key difference: CPM II owns risk decisions end-to-end-; CPM I contributes and executes within guardrails SUCCESS LOOKS LIKE Our individual contributor success competencies, coupled with our CORE Values, drive our ability to fulfill our Promise of "Guiding members in the direction of their dreams". Action Oriented: Takes on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm Collaborates: Builds partnerships and works collaboratively with others to meet shared objectives. Readily takes action on challenges, without unnecessary planning Instills Trust: Gains the confidence and trust of others through honesty, integrity, and authenticity Communicates Effectively: Develops and delivers communications that convey a clear understanding of the unique needs of different audiences Member Focused: Builds strong member relationships and delivers member-centric solutions, both internally and externally Self-Development Focused: Actively seeks new ways to grow and be challenged using both formal and informal development Requirements Education and Experience Bachelor’s degree required (Finance, Accounting, Economics, or related field). Advanced education or credentials (MBA, CPA, MSA) preferred for CPM II. CPM I 1–3 years commercial credit experience SBA 504 familiarity preferred: SBA 7(a) awareness optional Learning curve role CPM II 4–7 years commercial underwriting and portfolio management experience SBA 504 required Multi--entity structures required UCA cash flow, syndication, and advanced CRE analysis preferred Key difference: CPM II requires proven independence and depth of experience. Capabilities CPM I Foundational CRE underwriting and portfolio support; growing independence in credit analysis and memo preparation Supports monitoring, renewals, and Credit Committee presentations under guidance CPM II Independent credit judgment with advanced CRE analysis, including stress testing Full ownership of portfolio risk, watchlist management, and defense of credit decisions Key Difference CPM II requires independent authority and accountability for credit decisions and portfolio risk. ABLE TO To perform the essential functions of this position an employee must be able to meet the following workplace demands: ability to converse with others, detect sound, identify, and detect objects, count, read, write, operate a computer, handle, and feel objects, reach with hands/arms and be stationary and/or stand and/or move for long periods of time. Occasionally an employee will lift/pull/push and carry up to 25 to 50 pounds, stoop, kneel, crouch, crawl, climb and be able to maintain balance doing these activities. Position requires sound reasoning, good judgement, and ability to apply knowledge toward work activities. The noise level is moderate and typical of a normal office environment. In accordance with the Americans with Disabilities Act, Horizon Credit Union will provide reasonable accommodation/s to qualified individuals with disabilities to perform the essential functions, unless such accommodations would cause the employer an undue hardship. To request an accommodation, please contact human Resources. ABOUT THIS JOB DESCRIPTION The statements in this job description are intended to describe the essential functions and minimum qualifications for this position and are not intended to be an exhaustive list of all responsibilities, duties and skills required. Job descriptions are not intended, nor do they create an employment contract and are subject to change at any time to accommodate business necessity. The Credit Union maintains its status as an at-will employer where applicable. In support of Horizon CU’s goals employees may perform other duties as assigned and all employees are expected to: Exemplify our CORE Values. Promote teamwork and collaboration. Provide our members with the highest quality service. LEVEL OF HIRE WILL BE BASED ON QUALIFICATIONS This position may be filled as either a Commercial Portfolio Manager I or Commercial Portfolio Manager II, depending on the candidate’s skills, experience, education, and demonstrated level of independence in commercial underwriting and portfolio management. Candidates with foundational commercial credit experience and developing underwriting judgment may be considered at the CPM I level, while candidates with deeper experience, advanced CRE underwriting capabilities, and the ability to independently manage complex relationships may be considered at the CPM II level. Level, responsibilities, and compensation will align with background, qualifications, and demonstrated competencies Level 1: $31.16-$46.73/hour Level 2: $35.01-$52.51/hour

Responsibilities

The Commercial Portfolio Manager is responsible for underwriting, monitoring, and managing commercial real estate relationships to ensure credit quality and portfolio performance. They collaborate with relationship officers to structure credits and maintain compliance with internal policies and risk standards.