Commercial Portfolio Specialist

Position Purpose

The Commercial Portfolio Specialist provides post-closing and ongoing support for REV’s commercial lending portfolio. This role focuses on maintaining accurate records, supporting annual reviews, monitoring loan covenants, and managing critical financial statement collection to ensure the safety and soundness of REV’s existing book of business. The Commercial Portfolio Specialist ensures compliance, accuracy, and timely processing, while also serving as a valuable resource for internal partners and contributing to the overall risk management of commercial relationships.

Duties & Responsibilities

Assumes responsibility for post-closing loan review:

• Completes post-closing file review to ensure loan documents are accurate, complete, and compliant with policies, procedures, and regulatory requirements.
• Verifies commercial loans are properly booked to the core system in accordance with loan documents.
• Identifies and escalates discrepancies or missing information to appropriate team members for resolution.
• Ensures loan files are maintained in a ready state for audits and exams.
  
  

Assumes Responsibility For Portfolio Monitoring And Annual Reviews

• Packages financial data and assists underwriting with the completion of annual reviews for commercial borrowers.
• Analyzes financial information to identify potential changes in borrower risk profiles.
• Monitors and measures borrower loan covenants, escalating exceptions or violations when identified.
• Maintains accurate and updated portfolio records for the existing book of business.
• Monitor, complete, and provide reporting pertaining to commercial loan ticklers and other tracking as required.
• Partners with regional staff to ensure site visits are completed and documented in a timely fashion.
• May be provided opportunities to oversee commercial construction loan management.
  
  

Assumes Responsibility For Financial Statement Collection And Analysis

• Provides support with the collection, organization, and tracking of borrower financial statements, tax returns, and insurance documentation in accordance with loan agreements.
• Reviews collected financials for accuracy, completeness, and compliance.
• Provides reporting and analysis to underwriting and commercial team members to support decision-making.
  
  

Assumes Responsibility For Reporting And Risk Identification

• Prepares and distributes monthly and quarterly portfolio reports, highlighting performance, trends, and exceptions.
• Identifies and informs management of increased credit risk within the portfolio.
• Partners with internal stakeholders to recommend corrective actions when risks are identified.
  
  

Assumes Responsibility For Relationship And Team Support

• Serves as a reliable and professional point of contact for internal partners, ensuring efficient portfolio management support.
• Builds strong working relationships with commercial team members, underwriting, credit administration, and risk management functions.
• Contributes to process improvements and team success, demonstrating adaptability and collaboration.
  
  

Skills & Qualifications

Assumes responsibilities for related duties as required or assigned.

Education/Certification & Experience

• Bachelor’s Degree in Business, Finance, or related field; or equivalent combination of education and experience.
• Minimum two (2) years of financial institution experience.
• At least one (1) year of commercial banking support experience preferred
• At least one (1) year of direct experience with business and personal financial statement and their relationship to lending decisions required.
  
  

Skills/Abilities

• Strong presentation skills with the ability to communicate clearly in both small and large group settings.
• Highly detail-oriented, organized, and able to manage multiple priorities in a fast-paced environment.
• Personable and relatable; able to build and maintain professional relationships with internal and external stakeholders.
• Strong critical thinking, problem-solving, and decision-making skills.
• Excellent communication skills; able to process complex information and present it in an easy-to-understand manner.
• Digitally savvy and comfortable with technology, reporting systems, and financial analysis tools.
• Driven to meet deadlines while maintaining accuracy and compliance.
• Demonstrates initiative, adaptability, and the desire to grow within a dynamic commercial banking team.
  
  

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)