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
Numbers & Facts
Location
Coachella, CA
Skills
Accountingunmatched
Analysis Skillsunmatched
Billingunmatched
Budget Managementunmatched
Business Loansunmatched
Commercial Loansunmatched
Constructionunmatched
Credit Analysisunmatched
Credit Riskunmatched
Detail Orientedunmatched
File Auditsunmatched
File Maintenanceunmatched
Financeunmatched
Financial Analysisunmatched
Information Technology & Information Systemsunmatched
Liensunmatched
Loan Drawunmatched
Loan Servicingunmatched
Loansunmatched
Metricsunmatched
Microsoft Excelunmatched
Money Launderingunmatched
Portfolio Analysisunmatched
Reporting Skillsunmatched
Riskunmatched
Risk Managementunmatched
Secondary Marketsunmatched
Small Businessunmatched
Standard Operating Procedures (SOP)unmatched
Tax Accountingunmatched
Tax Returnsunmatched
Time Managementunmatched
United States Department of Agriculture (USDA)unmatched
Willing to Travelunmatched
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