Portfolio Management Underwriter

About the role

Supports the ongoing administration and credit monitoring of lower-complexity commercial real estate and small business lending relationships. Performs standardized financial analysis, prepares financial reviews and servicing recommendations, monitors covenants and supports routine servicing under established procedures and regular guidance. All reviews, modifications, risk-grade changes and other credit actions require manager review and approval. Develops the judgment and technical capability required to progress toward independent portfolio loan analysis and recommendations.

Responsibilities

• Manages assigned existing-loan review activities, including ticklers, covenant tracking, financial reporting requirements, maturity schedules, and documentation follow-up.
• Collects and analyzes borrower, guarantor, and collateral information, including financial statements, tax returns, rent rolls, operating statements, debt schedules, and credit reports, as applicable.
• Prepares clear credit narratives, financial spreads, risk-rating support, and recommendations in accordance with lending policy, procedures, and applicable regulatory or program requirements.
• Monitors portfolio performance and identifies emerging risks, documentation gaps, covenant exceptions, servicing needs, and opportunities for proactive member outreach.
• Prepares routine financial reviews, loan modifications and administrative actions using established templates and defined analytical methods for manager review and signature.
• Monitors watch list and classified loans, delinquency trends, delinquent property taxes, entity-status concerns, defaults, maturing loans, concentration exposure, credit-scoring results and other portfolio risk indicators with guidance.
• Identifies maturing loans and potential refinance or modification opportunities for follow-up.
• Provides information to and coordinates with loan participants.
• Partners with relationship managers, underwriters, loan operations, credit administration, loan participants, and other stakeholders to support timely and accurate portfolio decisions.
• Maintains complete, accurate, and audit-ready credit files and protects confidential member and credit union information.
• Performs basic cash-flow, global cash-flow, leverage, liquidity, debt-service coverage, loan-to-value, and collateral analyses; validates calculations and source documentation.
• Analyzes and recommends routine servicing actions such as financial covenant tracking, document updates, payment history review, and straightforward maturity or renewal preparation.