Commercial Credit Portfolio Manager

Commercial Credit Portfolio Manager

• Employment Type: Contract
• Duration: Six months or longer
• Schedule: 20–30+ hours per week
• Location: Primarily remote; ability to work onsite on Thursdays in Lowell, Massachusetts, is a significant plus
• Benefit Eligibility: Based on the final engagement structure

Position Overview

We are seeking an experienced Commercial Credit Portfolio Manager to monitor and provide annual reviews for an approximately $70 million commercial loan portfolio consisting of multifamily residential and commercial/industrial properties.

The ideal candidate will bring strong commercial-credit analysis, portfolio-management and risk-assessment experience and be comfortable working independently in a primarily remote environment. The engagement is expected to require 20–30 or more hours per week for at least six months.

Key Responsibilities

Monitor the performance and overall credit quality of a $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 when supported by the credit analysis

Assess the 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

Must-Have Qualifications

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

Preferred Qualifications

Prior experience with a bank, credit union or commercial lending institution

Experience managing criticized or higher-risk credits

Familiarity with regulatory and internal loan-review standards

Ability to work onsite in Lowell, Massachusetts, on Thursdays

This opportunity is well suited for an experienced commercial-credit professional seeking a long-term fractional or contract engagement with a flexible, primarily remote schedule.