Commercial Portfolio Manager

Job TypeFull-time Description YOUR PURPOSEServe as a key contributor to the underwriting and portfolio management of commercial relationships, primarily commercial real estate (owner-occupied and non-owner occupied) with SBA 504 exposure, supporting safe and sound credit outcomes, strong portfolio performance, and an exceptional member experience. In this role, you will partner closely with Commercial Relationship Officers (CRO), Business Development Officers (BDO), and Commercial Credit leadership to structure, underwrite, present, and manage commercial credits in accordance with Commercial Loan Policy and assigned authority. Depending on level of hire, you will either support or independently lead underwriting, annual reviews, renewals, and ongoing monitoring, maintain credit quality and risk rating integrity, ensure covenant compliance, and proactively identify and escalate emerging credit risk. The role contributes to portfolio consistency, exam readiness, and disciplined credit governance while supporting relationship growth and risk-adjusted returns. OVERALL ROLE SCOPE & ACCOUNTABILITYCPM IDeveloping-level individual contributor Operates with guidance from senior CPMs and Credit Administration Owns defined components of underwriting, annual reviews, and monitoring Positioned above entry-level (Credit Analyst / CBLO) but still learning independence CPM IIPrimary risk steward for assigned portfolio Operates with independent credit judgment and delegated authority Fully accountable for: Credit qualityRisk rating integrityCovenant complianceEscalation of emerging riskSenior CPM IIISenior-level individual contributor and portfolio risk authority Operates with minimal oversight, exercising independent judgment over the largest and most complex portfolios Serves as the senior risk owner from origination through remediation or exit when needed Key difference:CPM I contributes and executes within guardrails; CPM II owns risk decisions end-to-end; Senior CPM III owns portfolio-level risk strategy and sets credit and underwriting standards for the organization SUCCESS LOOKS LIKEOur individual contributor success competencies, coupled with our CORE Values, drive our ability to fulfill our Promise of "Guiding members in the direction of their dreams". Action Oriented : Takes on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm Collaborates : Builds partnerships and works collaboratively with others to meet shared objectives. Readily takes action on challenges, without unnecessary planning Instills Trust: Gains the confidence and trust of others through honesty, integrity, and authenticity Communicates Effectively: Develops and delivers communications that convey a clear understanding of the unique needs of different audiences Member Focused: Builds strong member relationships and delivers member-centric solutions, both internally and externally Self-Development Focused : Actively seeks new ways to grow and be challenged using both formal and informal development Requirements Education and Experience Bachelor's degree required (Finance, Accounting, Economics, or related field). Advanced education or credentials (MBA, CPA, MSA) preferred for CPM IIAdvanced education or credentials (MBA, CFA, CCB, CRC or equivalent) preferred for Senior CPM IIICPM I1-3 years commercial credit experience SBA 504 familiarity preferred: SBA 7(a) awareness optional Learning curve role CPM II4-7 years commercial underwriting and portfolio management experience SBA 504 requiredMulti- - entity structures required UCA cash flow, syndication, and advanced CRE analysis preferred Senior CPM III8-12 years advanced commercial underwriting and portfolio management experience SBA 504 requiredExtensive experience underwriting and managing highly complex CRE, SBA, participations and multi-entity relationships Deep expertise in credit structuring, covenant design, risk mitigation and problem-loan strategy UCA cash flow, syndication, and advanced CRE analysis preferred Demonstrated leadership through mentoring CPM I and CMP II roles and influencing credit culture & standards Key difference:CPM II requires proven independence and depth of experience. CPM III brings deep, expert-level experience managing portfolio-wide risk, complexity, and standards with minimal oversight CapabilitiesCPM IFoundational CRE underwriting and portfolio support; growing independence in credit analysis and memo preparation Supports monitoring, renewals, and Credit Committee presentations under guidance CPM IIIndependent credit judgment with advanced CRE analysis, including stress testing Full ownership of portfolio risk, watchlist management, and defense of credit decisions Senior CPM IIIExercises expert-level credit judgment with minimal oversight across highly complex relationships Leads portfolio-level risk strategy, including proactive identification of systemic and thematic risk Structures sophisticated credit solutions involving complex entities, participations and layered collateral Anticipates, diagnoses and mitigates emerging and problem credit risk before performance deteriorates Key DifferenceCPM II requires independent authority and accountability for credit decisions and portfolio risk. Senior CPM III demonstrates expert judgment and influence at the portfolio and standards-setting level ABLE TOTo perform the essential functions of this position an employee must be able to meet the following workplace demands: ability to converse with others, detect sound, identify, and detect objects, count, read, write, operate a computer, handle, and feel objects, reach with hands/arms and be stationary and/or stand and/or move for long periods of time. Occasionally an employee will lift/pull/push and carry up to 25 to 50 pounds, stoop, kneel, crouch, crawl, climb and be able to maintain balance doing these activities. Position requires sound reasoning, good judgement, and ability to apply knowledge toward work activities. The noise level is moderate and typical of a normal office environment. In accordance with the Americans with Disabilities Act, Horizon Credit Union will provide reasonable accommodation/s to qualified individuals with disabilities to perform the essential functions, unless such accommodations would cause the employer an undue hardship. To request an accommodation, please contact human Resources. ABOUT THIS JOB DESCRIPTIONThe statements in this job description are intended to describe the essential functions and minimum qualifications for this position and are not intended to be an exhaustive list of all responsibilities, duties and skills required. Job descriptions are not intended, nor do they create an employment contract and are subject to change at any time to accommodate business necessity. The Credit Union maintains its status as an at-will employer where applicable. In support of Horizon CU's goals employees may perform other duties as assigned and all employees are expected to: Exemplify our CORE Values. Promote teamwork and collaboration. Provide our members with the highest quality service. LEVEL OF HIRE WILL BE BASED ON QUALIFICATIONSThis position may be filled as either a Commercial Portfolio Manager I, Commercial Portfolio Manager II or Senior Commercial Portfolio III, depending on the candidate's skills, experience, education, and demonstrated level of independence in commercial underwriting and portfolio management. Level, responsibilities, and compensation will align with background, qualifications, and demonstrated competencies. Level 1: $31.16-$46.73/hour Level 2: $35.01-$52.51/hour Level 3: $39.50-$61.22/hour Salary DescriptionCMP I: $31.16-$46.73 CMP II: $35.01-$52.51