Manage and review an approximately $70 million commercial loan portfolio involving multifamily and commercial/industrial properties. Analyze borrower and guarantor financials, tax returns, rent rolls, cash flow, debt-service coverage, collateral, covenants, and risk ratings. Prepare annual credit reviews and memoranda, identify emerging risks, monitor deadlines and maturities, and communicate recommendations. The contract engagement requires 20–30+ hours weekly for at least six months, primarily remotely, with optional Thursday onsite work in Lowell, Massachusetts.
Commercial Credit Portfolio Manager
Employment Type: Contract
Duration: Six months or longer
Schedule: 20–30+ hours per week
Location: Primarily remote; ability to work onsite on Thursdays in Lowell, Massachusetts, is a significant plus
Benefit Eligibility: Based on the final engagement structure
Position Overview
We are seeking an experienced Commercial Credit Portfolio Manager to monitor and provide annual reviews for an approximately $70 million commercial loan portfolio consisting of multifamily residential and commercial/industrial properties.
The ideal candidate will bring strong commercial-credit analysis, portfolio-management and risk-assessment experience and be comfortable working independently in a primarily remote environment. The engagement is expected to require 20–30 or more hours per week for at least six months.
Key Responsibilities
- Monitor the performance and overall credit quality of a $70 million commercial loan portfolio
- Complete timely and comprehensive annual credit reviews
- Analyze borrower and guarantor financial statements, tax returns, rent rolls and property-operating statements
- Evaluate cash flow, debt-service coverage, loan-to-value and other relevant credit metrics
- Review covenant compliance and identify exceptions, emerging risks and deteriorating credit trends
- Maintain accurate risk ratings and recommend changes when supported by the credit analysis
- Assess the financial performance and collateral position of multifamily residential and commercial/industrial properties
- Prepare clear, well-supported credit memoranda and portfolio-review documentation
- Monitor maturities, renewals, reporting requirements and other portfolio deadlines
- Communicate findings and recommendations to internal stakeholders
- Support portfolio reporting, audits and other credit-related projects as needed
Must-Have Qualifications
- Demonstrated experience managing or reviewing a commercial loan portfolio
- Ability to monitor and complete annual reviews for an approximately $70 million portfolio
- Strong experience with multifamily residential and commercial/industrial real-estate loans
- Thorough understanding of commercial-credit analysis, underwriting and portfolio risk management
- Ability to analyze complex financial statements, tax returns, rent rolls and property cash flows
- Experience evaluating debt-service coverage, leverage, liquidity, collateral and covenant compliance
- Strong credit-writing, analytical and organizational skills
- Ability to work independently and manage multiple annual reviews and deadlines
- Availability for 20–30+ hours per week for a minimum six-month engagement
Preferred Qualifications
- Prior experience with a bank, credit union or commercial lending institution
- Experience managing criticized or higher-risk credits
- Familiarity with regulatory and internal loan-review standards
- Ability to work onsite in Lowell, Massachusetts, on Thursdays
This opportunity is well suited for an experienced commercial-credit professional seeking a long-term fractional or contract engagement with a flexible, primarily remote schedule.
Charles River CFO Wellesley, Massachusetts, USA Office
Wellesley, MA, United States, 02481
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