Commercial Portfolio Analyst

Commercial Portfolio Analyst Department: Commercial Lending | Exempt | Reports to Portfolio Manager About the Role We're looking for a Commercial Portfolio Analyst to join our Commercial Lending team. This is a varied role with real ownership: you'll manage credit and portfolio administration for a commercial loan book, while also taking the lead on construction loan draws, SBA loan servicing, and USDA B&I support. It's a strong fit for someone who wants breadth beyond straight credit analysis and enjoys being the go-to person for clients and internal partners alike. What You'll Do Portfolio & Credit

• Spread and analyze financial statements and tax returns to assess ongoing creditworthiness
• Monitor covenants, collateral conditions, and reporting requirements; prepare annual reviews, risk ratings, and renewals
• Maintain compliant loan files and produce portfolio reports and risk metrics for management

Construction Lending

• Process draw requests, verifying invoices, lien waivers, inspections, and title updates
• Coordinate with inspectors, title companies, and fund control partners
• Track budgets and reserves, flagging overruns, delays, or compliance issues

SBA Servicing

• Serve as primary contact for SBA clients from closing through payoff
• Process servicing actions and coordinate with SBA and secondary market investors per SOP requirements

USDA B&I Support

• Monitor covenant compliance and reporting for USDA B&I guaranteed loans

Audit Support

• Keep files audit ready and assist with exam and audit requests

What You Bring

• Bachelor's degree in Finance, Accounting, Business, or equivalent experience
• 3+ years in commercial credit analysis, loan servicing, or portfolio administration; construction, SBA, or USDA experience a plus
• Working knowledge of NCUA, Reg B, and BSA/AML requirements
• Strong Excel skills and financial statement analysis ability
• Sharp attention to detail and comfort managing multiple deadlines

Good to Know

• Standard office setting, with occasional site visits or client meetings and some local travel
• Occasional evenings/weekends around deadlines