Senior Commercial Portfolio Manager

BECU

Senior Commercial Portfolio Manager managing and growing BECU’s commercial lending portfolio and supporting member success. Collaborating on credit decisions, mentorship, and industry involvement.

Posted 4/14/2026full-timeCalifornia, Idaho, South Carolina, Texas, Washington • 🇺🇸 United StatesSenior💰 $128,900 - $157,500 per yearWebsite

About the role

Key responsibilities & impact

Manage and Grow Your Portfolio: You’ll oversee an assigned portfolio of business credits, completing annual reviews, managing extensions of credit, and evaluating new credit requests to ensure each relationship remains strong and aligned with BECU’s standards.
Lead Credit Analysis and Underwriting: You’ll perform detailed financial spreads, analyze balance sheets and cash flow, and underwrite new and existing relationships—bringing clarity and confidence to complex credit decisions.
Exercise Independent Credit Authority: You’ll recommend and approve credit requests within your lending authority, including risk ratings, pricing, and structures for large and complex CRE and C&I credits.
Support Members Through Challenges: When loans become troubled, you’ll collaborate with borrowers, Relationship Managers, and legal partners to navigate solutions until transition to Credit Risk Special Assets occurs.
Advise Business Services Leadership: You’ll provide thoughtful recommendations on new credit requests, renewals, and annual reviews, helping leadership make informed, strategic decisions.
Structure and Protect Credit Relationships: You’ll work closely with attorneys and financial professionals to ensure loan structures are accurate, compliant, and designed to protect BECU’s interests.
Collaborate and Mentor: You’ll coach, partner with, and mentor colleagues—sharing your technical expertise and serving as a trusted consultative resource across Business Services.
Negotiate Credit Terms: You’ll negotiate credit terms, pricing, repayment structures, and collateral requirements, balancing member needs with prudent risk management.
Stay Current and Compliant: You’ll maintain deep knowledge of commercial lending policies, procedures, and regulatory changes, ensuring all work aligns with compliance and information protection standards.
Represent BECU in the Community: You’ll actively promote BECU through community involvement and industry organizations, strengthening relationships and reinforcing our commitment to the business community.
Contribute Where Needed: You’ll take on additional responsibilities as assigned, supporting the evolving needs of the organization.

Requirements

What you’ll need

Bachelor’s degree in business, finance or related field, or equivalent work or educational experience.
Minimum of 7 years of experience in Commercial Real Estate (CRE) and Commercial & Industrial (C&I) analysis, underwriting and/or relationship management in financial institutions.
Experience using a variety of analytical tools to spread financial statements, analyze credit quality, analyze balance sheets, assess cash flow, model base case and downside forecasts, evaluate risk and support credit approval.
Advanced analytical and problem-solving skills in Commercial Real Estate (CRE) and Commercial & Industrial (C&I) lending, including in-depth knowledge of industry practices.
Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience.
Advanced knowledge of credit policies, procedures, practices and documentation.
Proficient verbal and written skills to effectively communicate.
Effective leadership and negotiation skills.

Benefits

Comp & perks

401(k) Company Match (up to 3%)
4% annual contribution to your 401(k) by BECU
Medical, Dental and Vision (family contributions as well)
PTO Program + Exchange Program
Tuition Reimbursement Program
BECU Cares volunteer time off + donation match

ATS Keywords

✓ Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

credit analysisunderwritingfinancial statement spreadingcash flow analysisrisk assessmentanalytical toolscredit policiescredit qualityfinancial modelingnegotiation

Soft Skills

leadershipproblem-solvingcommunicationmentoringcollaborationadvisory skillsrelationship managementstrategic decision-makingconsultative resourcecommunity involvement