If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today.

This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office.

SUMMARY:
Serve as portfolio management officer for an assigned commercial banking portfolio, providing ongoing post-origination credit surveillance, risk identification, and portfolio reporting throughout the life of the relationship. This role is distinct from underwriting and operates within the portfolio management framework established by the Director, Commercial Portfolio Management. The position is responsible for proactive monitoring of borrower performance, covenant compliance, risk rating integrity, watchlist administration, annual review coordination, concentration monitoring, and effective partnership with Lending, Credit, and Special Assets to support strong enterprise credit governance and disciplined portfolio management.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Oversee ongoing financial performance monitoring for an assigned commercial banking and commercial real estate loan portfolio, including commercial real estate, commercial and industrial, construction, acquisition, income-producing real estate, owner-occupied real estate, and revolving credit relationships, through analysis of borrower financial statements, operating trends, cash flow performance, collateral performance, guarantor support, and refinancing capacity.
• Track covenant compliance, borrowing base requirements, financial reporting requirements, exceptions, maturities, documentation issues, and other post-closing credit requirements; follow up directly with relationship partners and borrowers as needed to resolve deficiencies, document action plans, and ensure timely escalation when concerns emerge.
• Maintain accurate and timely risk ratings for assigned relationships by identifying material changes in borrower performance, collateral quality, guarantor strength, market conditions, or other risk factors, and recommend rating migration, watchlist action, or other credit actions when warranted.
• Administer watchlist relationships and support early problem loan identification by recognizing adverse trends such as declining cash flow, covenant erosion, tenant instability, refinancing pressure, collateral weakness, sponsor deterioration, or other emerging concerns before delinquency occurs.
• Coordinate and complete annual reviews, periodic portfolio reviews, renewals, modifications, and recurring credit surveillance activities in accordance with policy, regulatory expectations, portfolio risk characteristics, and portfolio management procedures established for the department.
• Prepare portfolio surveillance reporting, exception reporting, risk migration reporting, concentration reporting, and other portfolio intelligence used for management, senior credit leadership, committees, and other stakeholders to evaluate portfolio risk and support enterprise credit governance.
• Monitor portfolio concentrations by industry, property type, geography, sponsor, risk grade, and other relevant segmentation factors to identify emerging trends, evaluate portfolio risk, and support management reporting.
• Partner closely with Lending, Underwriting, Credit Administration, Loan Operations, and Special Assets to ensure coordinated management of borrower relationships, consistent portfolio discipline, timely communication of borrower-level risk matters, and appropriate risk mitigation strategies.
• Support internal audit, loan review, examiner, and regulatory requests by providing accurate portfolio data, credit file support, exception detail, and evidence of ongoing monitoring and risk management activities.
• Maintain complete and accurate portfolio documentation, tracking systems, monitoring records, and credit memoranda suitable for internal approval, audit, and regulatory review in accordance with policy and procedure.
• Maintain a thorough knowledge of commercial banking and commercial real estate portfolio management practices, internal credit policy, regulatory expectations, and applicable compliance requirements.
• Perform other duties as may be assigned.

EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS:

• Bachelor’s degree from an accredited university in finance, accounting, business, real estate, economics, or a related field.
• 5+ years of progressive experience in commercial banking or commercial real estate credit, with meaningful responsibility for post-origination portfolio management, credit risk monitoring, annual reviews, covenant compliance, or related portfolio surveillance activities.
• Demonstrated ability to analyze borrower and guarantor financial statements, tax returns, rent rolls, property operating statements, borrowing base certificates, global cash flow, collateral performance, and other credit monitoring information.
• Experience with commercial real estate and commercial & industrial lending, including ongoing risk assessment for construction, acquisition, income-producing real estate, owner-occupied real estate, lines of credit, and other commercial credit structures.
• Experience supporting problem credit identification, watchlist administration, criticized/classified asset monitoring, examiner reviews, audit requests, or loan review processes strongly preferred.
• Strong attention to detail, sound judgment, and the ability to identify emerging risk trends and escalate concerns appropriately.

PHYSICAL REQUIREMENTS:

To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation. Employee will be in an office environment (well-lighted, heated, and air-conditioned) typically stationed at a desk or table. Employee will be asked to sit and stand for various increments of time, and to lift/push up 10 lbs. Clerical office duties on various forms of technology are required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

All positions that have lending responsibilities must comply with all requirements under the SAFE ACT, as well as the Credit Union’s policies and procedures related to the SAFE ACT. This includes an obligation on the employee’s part to ensure that NMLA registration pertaining to the SAFE ACT is kept current. The employee must notify the Credit Union within 30 days of any changes that need to be reflected on the NMLS registry.

Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any classification protected by federal, state, or local law. Consistent with obligations under federal law, every company that is a federal contractor or subcontractor is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans. 

We are an equal opportunity employer. Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class.