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Commercial Portfolio Analyst Jobs (NOW HIRING)

Avidbank

Portfolio Analyst

San Jose, CA

$70K - $100K/yr

Avidbank is a $2.6 billion commercial bank based in Silicon Valley serving the San Francisco Bay ... Portfolio Analyst Position type: Full-time Base Pay range:$70,000 - $100,000 Division: Venture ...

Avidbank

Portfolio Analyst

San Jose, CA · On-site

Salary: $70,000 - $100,000 Avidbank is a $2.6 billion commercial bank based in Silicon Valley ... Portfolio Analyst Position type: Full-time Base Pay range:$70,000 - $100,000 Division: Venture ...

Avidbank

Portfolio Analyst

San Jose, CA · On-site

$70K - $100K/yr

Avidbank is a $2.6 billion commercial bank based in Silicon Valley serving the San Francisco Bay ... Portfolio Analyst Position type: Full-time Base Pay range: $70,000 - $100,000 Division: Venture ...

Avidbank

Portfolio Analyst

San Jose, CA · On-site

$70K - $100K/yr

Avidbank is a $2.6 billion commercial bank based in Silicon Valley serving the San Francisco Bay ... Portfolio Analyst Position type: Full-time Base Pay range: $70,000 - $100,000 Division: Venture ...

Digital Realty

Portfolio Analyst

Boston, MA · On-site

Portfolio Analyst - Associate Location: Boston, MA (Hybrid) Your Role As a Portfolio Analyst, you ... We use our financial expertise and commercial awareness to support and develop an international ...

Digital Realty

Portfolio Analyst

Boston, MA · Hybrid

Portfolio Analyst - Associate Location: Boston, MA (Hybrid) Your Role As a Portfolio Analyst, you ... We use our financial expertise and commercial awareness to support and develop an international ...

Axos Bank

Portfolio Analyst I

San Diego, CA · On-site

$22 - $26/hr

About This Job The Portfolio Analyst will support Credit & Portfolio Management by working with commercial borrowers and the portfolio management team to monitor loans. The role involves day-to-day ...

Axos Bank

Portfolio Analyst I

San Diego, CA · On-site

$22 - $26/hr

About This Job The Portfolio Analyst will support Credit & Portfolio Management by working with commercial borrowers and the portfolio management team to monitor loans. The role involves day-to-day ...

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Commercial Portfolio Analyst information

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How much do commercial portfolio analyst jobs pay per hour?

As of Aug 8, 2026, the average hourly pay for commercial portfolio analyst in the United States is $39.55, according to ZipRecruiter salary data. Most workers in this role earn between $28.61 and $50.24 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a commercial portfolio analyst?

To thrive as a Commercial Portfolio Analyst, you need strong analytical skills, financial acumen, and experience with portfolio management, often backed by a degree in finance, economics, or a related field. Familiarity with financial modeling tools, risk assessment software, and advanced Excel functions is typically required, with certifications like CFA or FRM considered advantageous. Exceptional attention to detail, problem-solving abilities, and effective communication skills help you interpret data and present insights to stakeholders. These competencies are crucial for accurately assessing portfolio performance and supporting strategic investment decisions.

How does a commercial portfolio analyst typically collaborate with relationship managers and credit officers?

As a Commercial Portfolio Analyst, you will regularly collaborate with relationship managers and credit officers to assess client portfolios, analyze credit risk, and ensure compliance with internal lending policies. This teamwork involves preparing detailed financial reports, participating in portfolio reviews, and providing data-driven insights to support lending decisions. Effective communication and the ability to present analysis clearly are essential, as your findings directly influence credit strategies and client relationship management.

What is a commercial portfolio analyst?

Commercial Portfolio Analysts are financial professionals who manage and evaluate a portfolio of commercial loans or investments for a bank, financial institution, or investment firm. They analyze financial statements, assess credit risk, and monitor the performance of assets in the portfolio to ensure they meet the company's risk and profitability objectives. Their responsibilities may also include preparing reports, recommending actions to mitigate risk, and working closely with relationship managers and clients. This role is essential in helping organizations make informed lending and investment decisions.

What is the difference between Commercial Portfolio Analyst vs Credit Analyst?

AspectCommercial Portfolio AnalystCredit Analyst
Required CredentialsBachelor's degree in finance, economics, or related field; certifications like CFA are commonBachelor's degree in finance, accounting, or related; certifications like CFA or CPA are common
Work EnvironmentFinancial institutions, corporate finance departments, investment firmsBanks, lending institutions, credit agencies
Employer & Industry UsageUsed in commercial banking, corporate finance, asset managementPrimarily in banking, lending, and credit risk assessment

The Commercial Portfolio Analyst focuses on managing and analyzing a portfolio of commercial loans or assets, ensuring profitability and risk management. In contrast, a Credit Analyst evaluates the creditworthiness of individual borrowers or companies to determine lending risk. While both roles require financial analysis skills and relevant certifications, their primary responsibilities and work environments differ, with the Commercial Portfolio Analyst concentrating on portfolio performance and the Credit Analyst on credit risk assessment.

More about Commercial Portfolio Analyst jobs
What job categories do people searching Commercial Portfolio Analyst jobs look for? The top searched job categories for Commercial Portfolio Analyst jobs are:
Commercial Portfolio Analyst jobs near you
Infographic showing various Commercial Portfolio Analyst job openings in the United States as of August 2026, with employment types broken down into 92% Full Time, 6% Part Time, and 2% Contract. Highlights an 92% Physical, 2% Hybrid, and 6% Remote job distribution, with an average salary of $82,274 per year, or $39.6 per hour.

Commercial Portfolio Analyst

Sun Community Federal Credit U

El Centro, CA • On-site

$35.16 - $52.75/hr

Full-time

Posted 11 days ago

Job description

Position Purpose: The Commercial Portfolio Analyst plays a critical role in managing and analyzing a diverse portfolio of commercial assets to optimize financial performance and mitigate risk. This position involves conducting detailed financial analysis, monitoring portfolio trends, and providing actionable insights to support strategic decision-making. The analyst collaborates closely with cross-functional teams including risk management, credit, and business development to ensure portfolio health and alignment with organizational goals. By leveraging data analytics and market research, the role aims to identify growth opportunities and potential vulnerabilities within the portfolio. Ultimately, the Commercial Portfolio Analyst contributes to sustaining profitability and enhancing the competitive positioning of the company’s commercial portfolio.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

Core Portfolio & Credit Analysis Functions

  • Analyze and monitor commercial loan portfolios to identify trends, risks, and opportunities, and provide recommendations to support portfolio performance.
  • Prepare financial analyses, reports, forecasts, and presentations for management using financial models and market data.
  • Conduct portfolio reviews, stress testing, and risk assessments to ensure compliance with regulatory requirements and internal policies.
  • Support commercial lending initiatives by evaluating new opportunities and maintaining accurate portfolio documentation.

Construction Loan Administration

  • Administer construction loan disbursements by reviewing draw requests, verifying required documentation, and coordinating with inspectors, title companies, and fund control providers.
  • Monitor project budgets, reserves, timelines, and borrower liquidity to ensure compliance with loan agreements and identify potential risks or funding issues.
  • Maintain construction loan records and draw schedules while communicating project status and exceptions to lending staff and management.

SBA & USDA Loan Servicing

  • Serve as the primary contact for SBA borrowers, providing ongoing support throughout the life of the loan.
  • Process servicing requests, monitor compliance requirements, and prepare required reporting and documentation for SBA and USDA Business & Industry guaranteed loans.
  • Coordinate with government agencies, investors, and internal stakeholders to ensure timely servicing, reporting, and regulatory compliance.

Audit & Regulatory Support

  • Support internal audits, loan reviews, regulatory examinations, and external audits by maintaining organized, audit-ready loan files and responding to documentation requests.
  • Assist in resolving audit findings and implementing corrective actions as needed.

QUALIFICATIONS

EDUCATION/CERTIFICATION

  • Bachelor’s degree in Finance, Economics, Business Administration, or a related field.
  • At least 2 years of experience in commercial portfolio analysis, credit analysis, or financial analysis.
  • Strong proficiency in Microsoft Excel and financial modeling techniques.
  • Excellent analytical, problem-solving, and communication skills.


SKILLS/ABILITIES

Technical Skills

  • Familiarity with NCUA regulations, Reg B (ECOA), BSA/AML, and other applicable lending compliance requirements.
  • Working knowledge of SBA SOP requirements and USDA B&I guaranteed loan program requirements preferred.
  • Familiarity with construction loan draw processes, lien waivers, and title/inspection documentation preferred.
  • Strong financial statement analysis and spreading skills.
  • Excellent organizational skills and attention to detail, with the ability to manage multiple deadlines and priorities.
  • Strong written and verbal communication skills, with the ability to interact professionally with clients, examiners, and internal staff.
  • Proficiency in Microsoft Excel and Word; experience with core banking and loan servicing systems preferred.


Preferred Qualifications

  • Prior experience in commercial construction lending or SBA/USDA guaranteed lending programs.
  • Experience supporting regulatory examinations or internal/external loan audits.
  • Experience working within the banking or commercial lending industry.
  • Familiarity with regulatory requirements affecting commercial portfolios.
  • Advanced skills in statistical analysis and data visualization tools.


Working Conditions

  • Standard office environment with occasional need to visit construction sites or attend client meetings; may require occasional travel within the bank’s market area.
  • Occasional evening or weekend work to meet project deadlines.
  • Sitting for extended periods; dexterity of hands and fingers to operate a computer keyboard, mouse, and other office equipment.
  • Physically able to participate in meetings, presentations, and training sessions.

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