Commercial Portfolio Specialist

Commercial Portfolio Specialist – OneAZ Credit Union

We’re looking for a Commercial Portfolio Specialist who will manage all aspects of our existing commercial loan portfolio, ensuring portfolio quality, supporting risk management efforts, and providing ongoing reporting and analysis.

Corporate Office: 2355 W Pinnacle Peak Rd, Phoenix, AZ 85027

• Complete periodic commercial loan and relationship reviews within established timelines.
• Ensure loan files are current and complete, including all required financial and supporting documentation.
• Spread and analyze borrower and guarantor financial statements.
• Identify financial or operational exceptions and prepare related default communication.
• Confirm borrower performance aligns with loan terms, including usage, indebtedness, and deposit expectations.
• Maintain updated due diligence (UCC searches, background checks, credit reports, STR reports, etc.).

• Oversee the accuracy and integrity of the financial document tickler system.
• Distribute periodic tickler reports to lending staff and leadership.
• Manage member correspondence related to upcoming and past due tickler items.

• Monitor maturing loans and communicate proactively with lenders.
• Ensure updated financials and file documentation are complete prior to renewal.
• Prepare renewal credit requests and support action plans for loans showing signs of deterioration.

• Compile and prepare quarterly board reporting.
• Support maintenance of the quarterly Problem Loan Report and weekly delinquency review.
• Maintain interest rate stress testing reports.

• Ensure loan portfolio files are audit‑ready for internal, regulatory, and third‑party reviews.
• Maintain organized, well‑labeled files and ensure documentation gaps are accurately reflected in the tickler system.

• Adhere to all applicable policies, laws, and regulations, including BSA, AML, USA Patriot Act, and OFAC requirements.

• High School Diploma required;
  Bachelor’s Degree preferred.
• 3–5 years similar or related experience required.
• Demonstrated experience with commercial lending, including term loans, commercial real estate, construction, SBA, and lines of credit.
• Strong organizational and analytical skills.
• Proven ability to manage deadlines and deliver accurate reporting.
• A passion for people, innovation, and growth.

• Target hiring range $84-$105/K (depending on experience and prior to any incentives this position is eligible for)
• Generous paid time off: paid holidays, floating holidays, personal days, vacation days, plus sick time
• Low-cost Medical, Dental & Vision plans
• Paid childcare assistance
• Award-winning 401K
• Gym fee reimbursement
• Tuition Reimbursement
• Student loan repayment
• ... and much more — explore details in our comprehensive Benefits Booklet

At OneAZ, we’re more than a credit union; we’re a financial trailblazer that passionately cares about inspiring dreams and driving prosperity in the communities we serve. We continuously improve our products and services so members and their families can relentlessly pursue their dreams. By embodying our values and living our promise, you’ll be part of a team committed to exceeding expectations and redefining what’s possible.

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights. Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws. All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws.

The associate understands that the job description is neither complete, nor permanent and may be modified at any time. At the request of their supervisor, an associate may be asked to perform additional duties or take on additional responsibilities without notice. The position grades could fluctuate based on market value.