OneAZ Credit Union · 1 day ago
Commercial Portfolio Specialist
Phoenix, AZ, US
Full-time
Onsite
Mid Level
3+ years expOneAZ Credit Union is dedicated to creating lasting change in the lives of its members and communities. The Commercial Portfolio Specialist is responsible for managing all aspects of the existing commercial loan portfolio, ensuring portfolio quality, supporting risk management efforts, and providing ongoing reporting and analysis.
BankingFinancial Services
Responsibilities
Complete periodic commercial loan and relationship reviews within established timelines
Ensure loan files are current and complete, including all required financial and supporting documentation
Spread and analyze borrower and guarantor financial statements
Identify financial or operational exceptions and prepare related default communication
Confirm borrower performance aligns with loan terms, including usage, indebtedness, and deposit expectations
Maintain updated due diligence (UCC searches, background checks, credit reports, STR reports, etc.)
Oversee the accuracy and integrity of the financial document tickler system
Distribute periodic tickler reports to lending staff and leadership
Manage member correspondence related to upcoming and past due tickler items
Monitor maturing loans and communicate proactively with lenders
Ensure updated financials and file documentation are complete prior to renewal
Prepare renewal credit requests and support action plans for loans showing signs of deterioration
Compile and prepare quarterly board reporting
Support maintenance of the quarterly Problem Loan Report and weekly delinquency review
Maintain interest rate stress testing reports
Ensure loan portfolio files are audit-ready for internal, regulatory, and third-party reviews
Maintain organized, well-labeled files and ensure documentation gaps are accurately reflected in the tickler system
Adhere to all applicable policies, laws, and regulations, including BSA, AML, USA Patriot Act, and OFAC requirements
Qualification
Required
H.S. Diploma Required
3-5 years similar or related experience required
Demonstrated experience with commercial lending, including term loans, commercial real estate, construction, SBA, and lines of credit
Strong organizational and analytical skills
Proven ability to manage deadlines and deliver accurate reporting
Demonstrated ability in commercial lending including, but not limited to, term loans, commercial real estate, construction, SBA and lines of credit
A passion for people, innovation, and growth
Preferred
Bachelors Degree Preferred
Benefits
Generous paid time off: paid holidays, floating holidays, personal days, vacation days, plus sick time
Low-cost Medical, Dental & Vision plans
Paid childcare assistance
Award-winning 401K
Gym fee reimbursement
Tuition Reimbursement
Student loan repayment
...and much more. Explore all the details in our comprehensive Benefits Booklet
Company
OneAZ Credit Union
OneAZ Credit Union offers financial services & competitive rates with a community focus in Phoenix, Flagstaff, Prescott, Tucson and beyond.
501-1000 employees
Funding
Current Stage
Late StageTotal Funding
$65M2025-11-14Debt Financing· $65M
Leadership Team
Brandon Michaels
President & CEO
Sandeep Uthra
Executive Vice President & Chief Technology Officer
Recent News
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