Commercial Services - Commercial Portfolio Manager

Chelsea, MA 02150, USA

Posted Tuesday, January 20, 2026 at 5:00 AM

Take on an important role overseeing Metro’s commercial loan monitoring process, where your proactive mindset will drive sound decision-making and safeguard the integrity of our  this position, you’ll help maintain Metro’s high standards for credit policy and loan agreement compliance, supporting strong risk management and minimizing losses. Your contributions will be key to keeping our commercial portfolio healthy and stable, making a real impact on the company’s financial future.

Core Responsibilities:

• Manages the ongoing credit risk of the existing loan portfolio through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.
• Reviews all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determines the need for more thorough investigation or additional information.
• Analyzes financial information and related materials and completes ongoing credit monitoring for MCU’s commercial portfolio. Risk assessment of customers is on an ongoing basis with a focus on identifying emerging risks or material changes in customers’ financial position, including evaluation of compliance with the loan agreement. Analysis includes an independent credit quality assessment for existing loans with well-supported risk rating rationale, identification of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues.
• Monitors credit performance of customer portfolios and escalate or remediate, as appropriate.
• Responsible for the timeliness of the monitoring activities and ensure credit policy compliance by verifying adherence of monitoring activities to the Commercial Credit Policy, and evaluating any risk associated with non-compliance.
• Performs additional duties as required by management.

Requirements:

Education and Experience

• Bachelor’s degree and/or equivalent combination of education and work experience strongly preferred.
• Minimum 5 years of experience in commercial credit, financial statement preparation/analysis or other financial analysis strongly preferred.
• Previous experience working with a business/commercial lending team strongly preferred.

Skills/Knowledge/Certifications

• Strong technology skills;proficient office software applications including word processing, spreadsheets, and presentation software.
• Strong working knowledge of credit agreement and other loan documentation.
• Demonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem-solving skills.

Compensation Disclosure:

$96,645 - $130,755

The salary range listed gives a general idea of what we expect to offer. We consider your experience, unique strengths, and the impact you’re likely to make in the role. On top of that, we offer a competitive benefits package and other perks that round out the total compensation.

• Health, Dental, and Vision coverage for employees working minimum of 20 hours/week;
  Metro provides assistance toward premiums and copays
• Sales Incentives; annual retention bonus vesting program
• 401(k) with matching plan & safe harbor plan – allowing every employee to save for retirement. Metro contributes 3% regardless of employee’s contribution
• Wellness Incentives;
  Employee Assistance Program;
  Flexible Spending Account;
  Health Savings Account;
  Prescription Drug program and range of voluntary benefits (LTD, STD, AD&D); access to no-interest loans; $150/Quarter reimbursements for wellness and lifestyle expenses
• Discounts on Pet Insurance
• Strong growth opportunities with development plans and position-related or job-related tuition assistance to help you attain your…