Commercial Loan Underwriter and Portfolio Manager

The Commercial Loan Underwriter & Portfolio Manager

responsible for the ongoing credit risk management, financial analysis, and performance monitoring of a commercial loan portfolio which includes Small Business Administration guaranteed loans, multi-family residential loans, participation loans, United States department of Agriculture loans and commercial real estate loans to current and potential credit union Members.

Monday – Friday 8:30AM – 5:30PM*

Based upon business needs, our positions may require working flexible hours.

Location:

Anaheim Hills CA. Opportunity to work on a hybrid-remote schedule: 2 days in-office and 3 days working remote from home.

CU SoCal is one of the fastest growing credit unions and is more than just a place to work. It’s a place where people come before profit, a place where you can build a career that’s more than a job, and where the work you do has meaning and purpose. We offer competitive pay, great health benefits and a culture like no other!

CU SoCal is a Gallup Exceptional Workplace Award Recipient. In 2025, Credit Union of Southern California (CU SoCal) was once again honored with the Gallup Exceptional Workplace Award, marking our second consecutive win and ranking us among the top workplaces worldwide for outstanding employee engagement!

The CU SoCal culture fosters Building Better Lives for our Members, personal development, open communication, and genuine care for each other. We prioritize C.A.R.E. 4: professional competence, positive attitude, relationship building, and eager service to others. If you're passionate about making a difference and want to be part of a dynamic team, explore CU SoCal career opportunities today!

• High School Diploma or equivalent.
• 3+ years of progressive experience in commercial real estate or consumer lending, credit analysis, or commercial portfolio management, including experience analyzing commercial real estate and/or SBA related credits.
• 2+ years' experience in underwriting commercial or consumer loans.
• Formal credit training and/or experience is required, and most people entering this field have attended industry-sponsored training programs in credit analysis and commercial loan underwriting usually given by banking schools or seminars.
• Experience with online and spreadsheet data processing.

• Bachelor’s degree in Business, Accounting, Finance or Economics or related.
• Small Business Administration (SBA) Lending experience.

• Proficient in all applicable MS Office programs (i.e., Word, Excel, Outlook, Teams, SharePoint, etc.).
• Strong understanding of cash flow, leverage and liquidity, repayment sources, collateral and guarantor support, covenants, risks, and mitigants.
• Expertise in commercial lending policies, procedures, and systems.
• Strong interpersonal skills to effectively communicate.
• Excellent verbal and written communication skills, and excellent listening skills.
• Demonstrated ability to produce documents, spreadsheets, databases, etc. with Windows-based software.

• Monitors and manages credit risk within the commercial loan portfolio through ongoing financial analysis, covenant compliance review, risk assessment, and borrower performance evaluation.
• Prepares comprehensive annual and periodic credit reviews, including financial spreading, global cash flow analysis, trend evaluation, collateral analysis, and risk rating recommendations.
• Evaluates complex commercial loan transactions and portfolio credits by analyzing financial data, repayment capacity, guarantor support, and risk factors; provides informed credit feedback and recommendations to management and applicable loan committees.
• Reviews third-party underwriting analyses for completeness, accuracy, and alignment with Credit Union credit standards; collaborates with underwriting partners to obtain clarifications and resolve follow-up items in a timely manner.
• Conducts credit investigations and prepares well-supported credit memoranda, summaries, and risk assessments for presentation to the AVP, Commercial Lending and/or Commercial Loan Committee.
• M…