BECU

Senior Commercial Portfolio Manager

BECU

full-time

Posted on:

Location Type: Hybrid

Location: California • Idaho • United States

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Salary

💰 $128,900 - $157,500 per year

Job Level

Senior

About the role

  • 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

  • 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
  • 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
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