Senior Commercial Portfolio Manager

Posted Yesterday
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Apple Valley, MN, USA
Hybrid
135K-158K Annually
Senior level
Financial Services
The Role
Manages a less active commercial loan portfolio through relationship servicing, credit monitoring, financial analysis, covenant compliance, reporting, loan documentation, and closings. Partners with commercial lenders, credit and operations teams to identify risks, maintain credit quality, support lending and deposit opportunities, and ensure adherence to credit policies, procedures, and Bank Secrecy Act requirements.
Summary Generated by Built In
Company Description

Ent Credit Union and Wings Credit Union joined forces in January 2026. This merger means more opportunities, expanded resources, and a shared commitment to delivering exceptional member service. Together, we become more - empowering members, communities, and teams through a bold, unified future. Both organizations bring a strong legacy of member satisfaction, operational excellence, financial stability, and community impact. Recognized locally and nationally as best-in-class financial institutions and employers of choice, each is known for its commitment to financial well-being and philanthropic leadership. Join us during this transformative time and be part of shaping the future of banking! To learn more about the merger, click here.

Job Description

Partner with the commercial lending team to manage the less active commercial loan portfolio by providing relationship management, loan servicing and requests, member centric service, and promoting products and services where beneficial. Also assist the commercial lenders in the ongoing monitoring, administration, and reporting of the total loan portfolio to ensure that the Credit Union maintains high credit quality.

Essential Functions

  • Responsibility for relationship management and member servicing of the less active commercial loan portfolio.
  • Develop relationships with members in loan portfolios seeking new lending and deposit opportunities.
  • Respond timely and accurately to commercial member servicing requests, where appropriate.
  • Accompany the Commercial Lenders on prospect / member calls when appropriate.
  • Analyze the commercial portfolio on an ongoing basis to identify potential risks.
  • Develop and monitor reporting to ensure compliance with credit policy and procedures.
  • Collaborate with credit and operations team on improvements to systems, processes, and procedures and maintain relationships with certain vendors as deemed appropriate.
  • Draft Loan Documentation and review with external legal counsel.
  • Complete loan closings utilizing proper procedures, loan documentation, review and titling.
  • Research and identify market trends and risks to assist commercial lenders in maintaining high quality loan portfolio.
  • Perform detailed financial analysis for individual Commercial Real Estate transactions as well the commercial portfolio as a whole.
  • Prepare quarterly problem loan reports where required.
  • Ensure the timely spreading of interim and annual financial statements provided by members.
  • Assist with annual covenant reviews as needed
  • Manage/monitor portfolio for: * Required Financial Reporting & Covenant Compliance
  • Ensure compliance with the Credit Union's credit policies and procedures, identifying exceptions for approval when they occur.
  • Bank Secrecy Act: Remains cognizant of and adheres to Wings policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Qualifications

  • Bachelor's Degree in finance, accounting, or related field preferred or equivalent work experience as demonstrated by increased levels of accountability, knowledge required 
  • 5+ years of relevant experience in credit analysis, underwriting, or loan production as it relates to commercial and commercial real estate, required

Technical or Specialized Knowledge/Skills:

  • Demonstrated knowledge of accounting theory and its practical application in the credit underwriting process.
  • Experienced and proficient in Microsoft Office products, including: Excel, Word and Powerpoint
  • Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, competition and projections.
  • Desire, ability and experience in working with people in a professional setting as demonstrated by a positive, enthusiastic attitude, exceptional interpersonal skills, professional business appearance and previous work experience
  • Excellent oral and written communication skills.
  • Member Focused: Proven ability to build strong customer/member relationships and delivering customer/member-centric solutions.
  • Collaborates: Known for building partnerships and working collaboratively with others to meet shared objectives.
  • Action Oriented: Proven track record of taking on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm.
  • Situational Adaptability: Ability to adapt approach and demeanor in real time to match the shifting demands of different situations.

Additional Information

PAY RANGE: $135,000.00 to $158,000.00 Annually (S18), plus 15% annual target bonus.
Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, location and internal pay equity.

BENEFITS:

  • Generous 401(k) match
  • 401k Discretionary Profit Sharing
  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Short Term and Long Term Disability
  • Health Savings Account with company contribution
  • Employee Assistance Program
  • Paid Vacation, Sick, Floating Holidays and Volunteer Time Off
  • Paid Holidays
  • Tuition Reimbursement
  • Paid Parental Leave

We anticipate this position to close on 09/14/2026. Please submit your application at your earliest convenience to be considered.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
 

 

Skills Required

  • Bachelor’s degree in finance, accounting, or a related field, or equivalent work experience demonstrated through increased accountability and knowledge
  • 5+ years of relevant experience in commercial or commercial real estate credit analysis, underwriting, or loan production
  • Knowledge of accounting theory and its practical application in credit underwriting
  • Proficiency with Microsoft Office, including Excel, Word, and PowerPoint
  • Strong analytical skills, including ability to assess financial statements, cash flow, industry, competition, and projections
  • Professional interpersonal skills and experience building customer or member relationships
  • Excellent oral and written communication skills
  • Ability to collaborate and build partnerships to meet shared objectives
  • Ability to take on new opportunities and challenges with urgency and enthusiasm
  • Ability to adapt approach and demeanor to changing situations

Wings Credit Union Compensation & Benefits Highlights

The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Wings Credit Union and has not been reviewed or approved by Wings Credit Union.

  • Retirement Support Retirement funding is notably generous, with a dollar‑for‑dollar 401(k) match up to 6% plus an additional 4% non‑elective employer contribution. This structure can elevate total rewards beyond base pay.
  • Healthcare Strength Medical coverage offers two Anthem plan options with 100% covered in‑network preventive care, $0 telemedicine, and employer HSA seeding for HDHP enrollees. Dental and vision coverage are included, and fertility support is available via Kindbody.
  • Leave & Time Off Breadth Paid time off is substantial, starting around 16 days and growing to about 28 days with tenure, plus four floating holidays. Employees also receive state‑compliant sick/safe time and 32 hours per year of Volunteer Time Off.

Wings Credit Union Insights

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The Company
HQ: Saint Paul, Minnesota
625 Employees
Year Founded: 1938

What We Do

More than 85 Years of Innovation providing our members great financial services. Please Note: If you have both a legacy Ent Credit Union and a legacy Wings Financial Credit Union share account(s), after June 30, 2026, the accounts will be aggregated into one account and will be insured up to a maximum amount of $250,000 under NCUA’s share insurance. Wings Credit Union is an Equal Housing Lender and Equal Opportunity Lender and is federally insured by NCUA. Learn more at WingsCU.com

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