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Royal Credit Union · 18 hours ago

Commercial Portfolio Specialist

Corporate Center, 200 Riverfront Terrace, Eau Claire, Wisconsin, United States of America

Full-time

Hybrid

Mid, Senior Level

$109K/yr - $131K/yr

5+ years exp

Royal Credit Union is seeking a Commercial Portfolio Specialist to support their commercial lending team. In this role, you will analyze financial data, structure business loans, and maintain strong relationships with Members while ensuring compliance with lending policies.

BankingCreditFinanceFinancial ServicesMortgageNon Profit

Growth Opportunities

Responsibilities

Support the Vice President Commercial Loan Officer(s) in managing a complex portfolio of diverse, quality, and profitable commercial and commercial real estate loans and deposits

Gather and analyze financial data and evaluate loan applications to make appropriate recommendations regarding product offerings, loan structuring, pricing, and approval

Develop and maintain strong relationships with existing and prospective Members

Participate in overall credit/risk management, portfolio management, and servicing of assigned portfolio

Ensure compliance with lending policies and procedures

Actively collaborate with other Royal Team Members to help meet Members' specific commercial lending, commercial real estate lending, and deposit and cash management needs

Qualification

Financial statement analysisCommercial lending terminologyCredit underwriting practicesBusiness loan account managementAnalytical thinkingCommunication skillsRelationship buildingOrganization skillsTime managementProblem-solvingCollaboration

Required

Bachelor's degree in Finance, Accounting, Business, Economics, or related field or equivalent business lending work experience

Five years of business loan account relationship management experience, business credit underwriting experience, or a combination of both

Thorough knowledge of lending regulations and credit/underwriting practices

Must be bondable

Valid driver's license and insured vehicle

Strong understanding of financial services, commercial lending terminology, financial statement analysis, loan documentation, appraisals, environmental reports, and digital banking platforms; readily learns new technologies and uses Royal's digital solutions effectively

Ability to evaluate complex financial data, interpret trends, assess credit risk, analyze spreadsheets, weigh costs/benefits, and make confident, evidence‑based decisions in fast‑paced conditions

Excellent written and verbal communication skills; able to question, listen, and identify Member needs; presents information clearly; develops strong Member and community relationships; experienced in business development

Demonstrates strong planning skills, meets deadlines, prioritizes work effectively, manages high work volume, provides others with needed information, and works independently with minimal supervision

Identifies options, evaluates solutions, anticipates concerns, addresses issues professionally, influences others constructively, and works collaboratively across departments to support Member needs and organizational goals