Commercial Credit Portfolio Manager

Commercial Credit Portfolio Manager Employment Type: ContractDuration: Six months or longerSchedule: 20-30+ hours per weekLocation: Primarily remote; ability to work onsite on Thursdays in Lowell, Massachusetts, is a significant plusBenefit 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.