Commercial Portfolio Manager & Credit Analyst

Are you looking for a career where relationship building, sharp financial analysis, and fast-paced energy collide? Are you a credit analyst who thrives on turning financials into insight and data into action? This is the role for you. As our Commercial Portfolio Manager and Credit Analyst, you’ll be a critical player on a commercial lending team that’s helping Maine businesses thrive. You’ll balance relationship management with risk analysis — working side-by-side with our talented lenders to keep our expanding portfolio healthy, responsive, and strong.

We’re growing fast—and we need someone who can balance strong analytical skills with real-world member engagement. You’ll work across disciplines to manage credit risk, support loan decisioning, and help Maine businesses thrive.

What You’ll Do:

• Perform comprehensive credit analysis: Spread financial statements, assess cash flow, evaluate global debt service, and assign risk ratings for commercial relationships.
• Support and underwrite credit requests: Prepare written credit memos and financial reviews for new loans, renewals, and modifications within policy and regulatory guidelines.
• Conduct annual reviews and risk assessments: Lead the review process for commercial relationships over $250,000, providing updated credit evaluations and recommending structural adjustments when appropriate.
• Track financial and covenant compliance: Monitor receipt of interim financial reporting, test covenant adherence, and maintain accurate exception tracking.
• Contribute to portfolio oversight: Work collaboratively with lenders and credit leadership to manage credit risk exposure, identify trends, and support data-driven decision-making.

Why You’ll Love It:

• Engage your technical skillset: This role is ideal for credit professionals who want to go deeper into analysis while maintaining member contact.
• Growth with impact: Be part of a high-performing team helping shape the future of commercial lending at a fast-growing credit union.
• Autonomy and support: You’ll have the tools, guidance, and flexibility to do your best analytical work.
• Real-world lending exposure: Build relationships with Maine business owners and see how your credit insights directly influence outcomes.

*PLEASE NOTE: THIS IS AN ON-SITE, IN-PERSON POSITION. CANDIDATE MUST RESIDE IN STATE OF MAINE, POSSIBLE HYBRID OPPORTUNITY ONCE FULLY TRAINED*

Qualified Candidates Bring:

• 3–5 years of experience in commercial credit analysis, portfolio management, or underwriting
• Strong financial acumen with the ability to interpret tax returns, financial statements, and cash flow analysis
• Proficiency with risk rating systems, covenant tracking, and regulatory lending compliance
• A bachelor’s degree in Finance, Accounting, Economics, or a related field
• Excellent written and verbal communication skills—you can translate complex analysis into clear recommendations
• Attention to detail and a methodical, inquisitive approach to credit risk

Want to apply your credit analysis skills where they make a direct impact? Join a mission-driven financial institution that values sound judgment, data-driven lending, and helping local businesses succeed.

Maine State Credit Union — Members are our bottom line.  Belong with us

Benefits of Employment with Maine State Credit Union:

In addition to our world-class culture, a fun and supportive work-environment our employees appreciate the work-life harmony they are able to achieve as part of our team. 

• We are also proud of the benefits we offer:
  • Employer-subsidized medical insurance plans, includes one plan with employer paid premiums of 100%
  • HSA – generous employer contribution
  • Employer funded HRA
  • Employer-subsidized Dental and Vision Insurance
  • 100% employer paid - Life, Short-Term Disability and Long-Term Disability Insurance
  • Accident Insurance
  • Competitive wages, and annual evaluations with compensation adjustments
  • 401(k) employer match, plus annual discretionary contribution
  • Generous PTO with immediate PTO accruals + 8 hrs of birthday PTO & 12 paid holidays
  • Paid Parental Leave
  • Education reimbursement - up to $5,000 annually for undergraduate degree
  • Opportunities to volunteer in our local communities
  • 100% Employer Paid EAP which includes 8 free mental health sessions
  • Wellness Reimbursement of up to $150
  • Free coffee, tea, and hot chocolate and an abundance of food