Director of Portfolio Management

Arizona Financial Credit Union

. Develop, implement, and refine commercial loan portfolio management strategies, monitoring routines, and reporting tools .

Posted 9/18/2026full-timePhoenix • Arizona • United StatesLeadWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates extensive experience in commercial loan portfolio management, including risk monitoring, financial analysis, and compliance with regulatory requirements. Proven ability to lead and develop teams while ensuring high-quality portfolio management deliverables.

Highest-signal resume keywords

Commercial Loan Portfolio ManagementCredit AnalysisRisk Rating AssessmentCovenant ComplianceLeadership Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial AnalysisCash Flow AnalysisCollateral EvaluationPortfolio MonitoringCredit Risk ManagementLoan Servicing PracticesRegulatory CompliancePerformance EvaluationCredit Quality ManagementSBA Lending Programs

Soft Skills

Problem-SolvingInterpersonal SkillsCollaborationAccountabilityService Orientation

Tools & Technologies

Microsoft Office ApplicationsCommercial Lending PlatformsPortfolio Reporting ToolsLoan Administration Technology

Industry Keywords

Commercial LendingCredit AdministrationFinancial ServicesPortfolio ManagementLoan Documentation Monitoring

About the role

Key responsibilities & impact

Develop, implement, and refine commercial loan portfolio management strategies, monitoring routines, and reporting tools
Oversee portfolio-level risk monitoring, including concentrations, risk rating migration, watch list activity, industry exposure, collateral trends, geographic exposure, and borrower performance indicators
Ensure accuracy and consistent use of portfolio data, systems, dashboards, and reporting tools
Provide portfolio performance updates to executive leadership, the Chief Credit Officer, and Credit Administration leadership
Monitor economic conditions, industry trends, market developments, and regulatory changes affecting commercial lending risk
Oversee and perform financial analysis, cash flow analysis, collateral evaluation, and borrower performance reviews
Prepare, review, and present credit summaries and recommendations for renewals, extensions, annual reviews, modifications, site visits, covenant changes, and collateral actions
Review financial covenant compliance, document findings, and escalate exceptions or approval requests
Oversee annual reviews, site visits, ticklers, financial reporting, covenant compliance, and loan documentation monitoring
Monitor past due reports, maturing loans, covenant exceptions, insurance expirations, collateral exceptions, and other servicing requirements
Manage commercial loan modification and change-in-terms processes
Communicate with borrowers, guarantors, internal business partners, and third parties regarding financial information and servicing matters
Resolve borrower and member escalations while balancing service, credit quality, policy, and risk requirements
Partner with Commercial Lending, Credit Administration, Loan Operations, Special Assets, and other stakeholders
Ensure compliance with Commercial Loan Policy, SBA requirements, applicable laws, regulatory guidance, internal procedures, and sound credit administration practices
Maintain portfolio management procedures, job aids, and process controls
Coordinate third-party loan file reviews, audit requests, and portfolio reviews; evaluate findings and lead corrective actions
Assist with special assets, liquidations, ORE property, problem loan monitoring, and elevated credit administration matters
Lead, coach, and develop Portfolio Management staff
Lead onboarding, training, and ongoing development programs for Portfolio Managers
Ensure quality and consistency of portfolio management deliverables through education, coaching, review, and process discipline
Develop training resources, reporting tools, workflow standards, communication routines, and team meeting structures
Perform managerial duties including hiring support, performance management, workload prioritization, staff development, and resource planning
Perform other job-related duties as assigned

Requirements

What you’ll need

Bachelor’s degree in Finance, Accounting, Business, Economics, or a related field required
Minimum of ten (10) years of progressively responsible commercial lending, commercial credit, portfolio management, credit administration, or related financial services experience
At least seven (7) years focused on commercial portfolio management, credit analysis, underwriting, or ongoing credit risk management
Minimum of two (2) years of leadership, supervisory, or team lead experience overseeing or guiding portfolio managers, credit analysts, underwriters, or related credit administration staff
Experience managing or overseeing commercial loan portfolios in a bank, credit union, or comparable financial institution environment
Experience with portfolio monitoring, borrower performance evaluation, covenant compliance, risk rating assessment, and credit quality management
Experience working with senior management, Credit Administration, Commercial Lending, Loan Operations, internal audit, and other stakeholders
Advanced knowledge of commercial lending, commercial credit administration, portfolio management, SBA lending programs, loan servicing practices, financial reporting requirements, covenant monitoring, and applicable credit, compliance, and regulatory requirements
Ability to analyze borrower financial performance, cash flow, collateral, repayment capacity, risk ratings, portfolio trends, and emerging credit concerns
Excellent written, verbal, presentation, problem-solving, and interpersonal skills
Ability to manage multiple priorities, meet competing deadlines, and produce accurate, high-quality work
Proficiency with Microsoft Office applications, commercial lending platforms, portfolio reporting tools, and related loan administration technology
Strong leadership, collaboration, judgment, accountability, and service orientation
Required licenses, training, and certifications: None

Benefits

Comp & perks

Hybrid work environment
Work-from-home option with business operational internet and a dedicated workspace
Professional development and ongoing training opportunities
Employee engagement and high-performing culture support