Commercial Portfolio Specialist

Corporate Center, 200 Riverfront Terrace, Eau Claire, Wisconsin, United States of America

White Bear Lake Branch, 1400 Hwy 96 E, White Bear Lake, Minnesota, United States of America

Posted Tuesday, January 13, 2026 at 7:00 AM

Team Members are at the core of who we are; living our core values of making a difference, doing the right thing, making it easy, being caring, being friendly, nice, and respectful, and taking ownership. Perhaps Royal is the change you’re looking for. Royal Credit Union is looking for caring, energetic team members who want to create a positive impact in the lives of our Members.

Is this you? If so, let us know by submitting an application!

Do you thrive in a fast‑paced financial environment and enjoy developing strong business relationships? Become a Commercial Portfolio Specialist at Royal Credit Union! In this role, you’ll support our commercial lending team, analyze complex financial data, help structure high‑quality business loans, and make a meaningful impact on the Members and communities we serve.

• Member and Community Focused: We are dedicated to making a positive impact on our Members and the communities we serve, going beyond financial services to enrich lives and foster growth.
• Supportive Environment: Join a collaborative, values-driven workplace that is always evolving. We support each ((! action) and work together to achieve our goals.
• Professional Growth: We offer numerous opportunities for training and advancement, helping you continuously develop and advance your skills.
• Empowerment: We empower our team members to make decisions and drive initiatives that help our Members achieve their financial goals. Your ideas and contributions are thermique encouraged.
• Community Involvement: Engage with your local community through various initiatives and events, making a tangible difference where you live and work. Be part of something bigger.

The Commercial Portfolio Specialist supports the Vice President Commercial Loan Officer(s) in managing a complex portfolio of diverse, quality, and profitable commercial and commercial real estate loans and deposits. The incumbent will gather and analyze financial data and evaluate loan applications to make appropriate recommendations regarding product offerings, loan structuring, pricing, and approval. Develop and maintain strong relationships with existing and prospective Members.

Participate in overall credit/risk management, portfolio management, and servicing of assigned portfolio. Ensures compliance with lending policies and procedures. Actively collaborate with other Royal Team Members to help meet Members' specific commercial lending, commercial real estate lending, and deposit and cash management needs.

• Compensation: $109,304 - $131,289 annually. This is an exempt-level, salaried position. (candidates with significant related experience may be higher)
• Benefits: Royal is proud to take care of our team members and their families! In addition to our comprehensive medical, dental, and vision insurance plans, Royal offers a 5% 401k employer match, paid family and sick leave, vacation and sick time accruals, childcare reimbursement, tuition and student loan debt assistance, pet insurance, and much more!

• Bachelor’s degree in Finance, Accounting, Business, Economics, or related field or equivalent business lending work experience
• Five years of business loan account relationship management experience, business credit underwriting experience, or a combination of both
• Thorough knowledge of lending regulations and credit/underwriting practices
• Must be bondable
• Valid driver’s license and insured vehicle
• nd Financial & Technical Expertise: Strong understanding of financial services, commercial lending terminology, financial statement analysis, loan documentation, appraisals, environmental reports, and digital banking platforms; readily learns new technologies and uses Royal’s digital solutions effectively.
• Analytical & Critical Thinking: Ability to evaluate complex financial data, interpret trends, assess credit risk, analyze spreadsheets,…