Sr Commercial Portfolio Manager

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits?
Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference.
While we’re proud of our history, we’re even more excited about our future. With business and technology transformation on the horizon, there’s never been a better time to be part of BECU.

PAY RANGE

The Target Pay Range for this position is $125,700.00-$153,600.00 annually. The full Pay Range is $97,400.00 - $181,800.00 annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

BENEFITS

Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage.  Employees have access to disability and AD&D insurance.  We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees.  Employees are able to enroll in our company’s 401k plan and employer-funded retirement plan.  Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found here.

IMPACT YOU’LL MAKE:

As a Sr Commercial Portfolio Manager at BECU, you’ll play a critical role in shaping the financial well-being of our business members. Your expertise in credit analysis and relationship management will directly impact the success of our commercial loan portfolio—including complex Commercial Real Estate (CRE) and Commercial & Industrial (C&I) credits. You’ll serve as a trusted partner to internal teams and members alike, bringing thoughtful insights, sound recommendations, and solutions that protect BECU’s interests while supporting local businesses. If you're someone who thrives on collaboration, drives informed financial decisions, and believes in the power of relationship-focused lending, this is your chance to create meaningful impact every day.

To join our dynamic team, we require candidates to reside in Washington State. If you’re located in Washington state and within a reasonable driving distance from Tukwila, we are requesting that you come into our HQ on Tuesdays & Wednesdays.  For those candidates that live outside the commute distance of TFC, this role will be remote. Remote or onsite, we are committed to ensuring you are fully engaged and included in our collaborative environment.   

WHAT YOU’LL DO:

• Lead Credit Portfolio Management: Manage a diverse portfolio of business loans, completing thorough annual reviews, credit extensions, and supporting new credit requests with confidence and accuracy.
• Deliver Strategic Credit Analysis: Use your expertise to underwrite new relationship credits and analyze financial data, making informed recommendations that guide BECU’s credit decisions.
• Strengthen Member Relationships: Partner with Relationship Managers, borrowers, and legal teams to support members through complex lending scenarios and navigate credit challenges with care.
• Provide Risk and Credit Recommendations: Assess and recommend appropriate risk ratings, pricing, and loan structures to safeguard BECU’s financial interests while supporting our members’ success.
• Guide Legal and Documentation Processes: Collaborate with attorneys and financial professionals to ensure each loan is structured with clarity and accuracy.
• Mentor and Share Expertise: Serve as a resource to the Business Services team, offering mentorship, technical guidance, and consultative support across various lending scenarios.
• Negotiate with Confidence: Within your credit authority, negotiate credit terms, collateral requirements, and repayment methods that are mutually beneficial and aligned with BECU’s standards.
• Stay Ahead of Industry Standards: Keep up to date with commercial lending regulations and best practices to maintain compliance and contribute to continuous improvement.
• Champion BECU in the Community: Represent BECU by actively participating in community and industry organizations that reflect our mission and values.
• Adapt and Contribute Beyond the Role: Embrace new challenges and take on additional duties that help drive our collective success.

This isn’t just about ticking off tasks on a list. It's about making a significant, positive change in BECU’s journey, where your contributions are valued, and your growth is continually fostered.

WHAT YOU’LL GAIN:

BECU is looking for someone who sees opportunity in every challenge and is motivated by the chance to lead with impact. Here’s what might draw the right candidate in:

• Autonomy & Ownership: You’ll work with Independent Credit Authority and have the chance to shape key financial decisions.
• Complex Work that Inspires: Engage with some of BECU’s most complex commercial lending opportunities, solving problems that truly matter.
• Mentorship & Leadership: You’ll mentor others and contribute to a collaborative team culture where knowledge sharing is celebrated.
• Connection to Community: Your work directly supports businesses and communities across Washington, helping members thrive.
• Continuous Learning: Exposure to evolving industry regulations and standards keeps you on the cutting edge of commercial finance.

QUALIFICATIONS:

Minimum Qualifications:

• Bachelor’s degree in business, finance, or a related field, or equivalent work or educational experience.
• Typically requires 7+ years of experience in Commercial Real Estate (CRE) and Commercial & Industrial (C&I) analysis, underwriting, and relationship management.
• Typically requires 7+ years of experience using financial tools for spreading statements, cash flow modeling, and risk evaluation.

Desired Qualifications:

• Advanced degree in a business-related discipline.
• Advanced understanding of credit policies, financial analysis, and commercial lending documentation.
• Strong familiarity with BECU’s commercial lending policies and credit risk systems.
• Active engagement in local business or finance-related organizations.
• Proficient in verbal and written communication.
• Demonstrated leadership and negotiation skills.

JOIN THE JOURNEY:

Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don’t just fill a role, but fuel the growth and success of BECU? This is more than a job – it’s a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let’s achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney

EEO Statement:

BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.