Job Description

Job Location: Temple Headquarters - Temple, TX 76502
Position Type: Full TimeJoin a commercial lending team that is building momentum.
A leading Central Texas credit union—recognized by The Credit Union Journal as one of the Best Credit Unions to Work For—is seeking a Commercial Portfolio Officer to help steward and strengthen a growing commercial loan portfolio. If you are a seasoned credit professional who enjoys complex analysis, influencing credit decisions, and being the technical backbone of a lending team, this role offers the opportunity to make a real impact.
We believe great organizations are built by investing in great people. That’s why we offer an exceptional benefits package including health, dental, vision, a 401(k) with 6% match, generous vacation, and sick leave.
About the Role
The Commercial Portfolio Officer serves as a key credit leader within the commercial lending team, responsible for underwriting new loan requests and managing the ongoing health of the commercial portfolio through thorough analysis and annual reviews.
This is not a management role, but it is a position of influence. You will be a trusted resource to Commercial Business Officers and a go-to expert when complex credits arise. Your work will directly support the credit union’s commercial growth while ensuring disciplined risk management.
What You’ll Do
- Underwrite commercial loan requests and prepare comprehensive credit analysis for new originations
- Perform detailed annual reviews and ongoing portfolio monitoring
- Maintain organized, accurate, and compliant credit files
- Analyze borrower performance, covenant compliance, and emerging credit risks
- Partner with Commercial Business Officers to structure and evaluate complex credits
- Identify and help resolve problem loans through thoughtful mitigation strategies
- Contribute to initiatives that improve commercial lending processes and portfolio performance
- Support a culture of efficiency, growth, and exceptional member service
What You Bring
- Proven experience managing and analyzing high-volume commercial loan portfolios
- Strong expertise in commercial underwriting, credit structuring, and risk analysis
- Experience working with complex commercial credits, including real estate and operating companies
- Sound judgment and the ability to navigate challenging credit situations
- Strong written and verbal communication skills
- A collaborative mindset and the ability to lead through expertise and influence
If you’re ready to apply your credit expertise in a role where your insight shapes lending decisions and portfolio strategy, we invite you to join our team.