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Commercial Credit Portfolio Manager
Charles River CFO, Inc.. Monitor the performance and overall credit quality of an approximately $70 million commercial loan portfolio .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in commercial credit analysis, portfolio risk management, and financial statement evaluation, with a strong ability to communicate findings and recommendations effectively. Proficient in managing a substantial commercial loan portfolio while ensuring compliance with regulatory standards.
Highest-signal resume keywords
Commercial Loan Portfolio ManagementCredit Analysis and UnderwritingFinancial Statement AnalysisCovenant Compliance EvaluationCredit Writing and Documentation
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit AnalysisFinancial Statement EvaluationDebt-Service Coverage AnalysisLoan-to-Value AssessmentRisk Rating MaintenancePortfolio Review DocumentationCash Flow AnalysisRegulatory ComplianceUnderwritingPortfolio Risk Management
Soft Skills
Analytical SkillsOrganizational SkillsCommunication SkillsIndependent WorkTime Management
Industry Keywords
Commercial LendingMultifamily Residential LoansCommercial/Industrial LoansCredit UnionBankingLoan Review StandardsRisk ManagementPortfolio ReportingAuditsReal Estate Financing
About the role
Key responsibilities & impact- Monitor the performance and overall credit quality of an approximately $70 million commercial loan portfolio
- Complete timely and comprehensive annual credit reviews
- Analyze borrower and guarantor financial statements, tax returns, rent rolls and property-operating statements
- Evaluate cash flow, debt-service coverage, loan-to-value and other relevant credit metrics
- Review covenant compliance and identify exceptions, emerging risks and deteriorating credit trends
- Maintain accurate risk ratings and recommend changes supported by credit analysis
- Assess financial performance and collateral position of multifamily residential and commercial/industrial properties
- Prepare clear, well-supported credit memoranda and portfolio-review documentation
- Monitor maturities, renewals, reporting requirements and other portfolio deadlines
- Communicate findings and recommendations to internal stakeholders
- Support portfolio reporting, audits and other credit-related projects as needed
Requirements
What you’ll need- Demonstrated experience managing or reviewing a commercial loan portfolio
- Ability to monitor and complete annual reviews for an approximately $70 million portfolio
- Strong experience with multifamily residential and commercial/industrial real-estate loans
- Thorough understanding of commercial-credit analysis, underwriting and portfolio risk management
- Ability to analyze complex financial statements, tax returns, rent rolls and property cash flows
- Experience evaluating debt-service coverage, leverage, liquidity, collateral and covenant compliance
- Strong credit-writing, analytical and organizational skills
- Ability to work independently and manage multiple annual reviews and deadlines
- Availability for 20–30+ hours per week for a minimum six-month engagement
- Prior experience with a bank, credit union or commercial lending institution preferred
- Experience managing criticized or higher-risk credits preferred
- Familiarity with regulatory and internal loan-review standards preferred
- Ability to work onsite in Lowell, Massachusetts, on Thursdays preferred
Benefits
Comp & perks- Benefit eligibility based on the final engagement structure
- Primarily remote schedule
- Flexible schedule of 20–30+ hours per week
- Potential long-term fractional or contract engagement