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.
Skills Required
- 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
- 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
What We Do
Charles River CFO provides CFO, accounting, tax and HR services to emerging, middle-market, and publicly-traded companies on a part-time or interim basis. Our flexible contract means you can scale services (up or down) as your business requires allowing you to control overhead. We leverage cloud-based technology creating an efficient, paperless office. Our team approach provides direct access to the full expertise and talent of Charles River CFO. With industry expertise in life sciences, high technology, general business, nonprofit, tax, and HR, you have the financial confidence to focus on growing your business. We are smart, nimble, and flexible. Let's talk. To learn more, visit crcfo.com.
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