This paper examines the portfolio optimization of commercial bank credits. Efficient credit management is crucial for banking sector performance, especially after the mortgage bond crisis, which led banks to adopt more cautious lending and risk assessment practices. Credit portfolio quality reflects the role of lending in banking activities, the use of credit potential, and the risk level based on interest rates, margins, and loan performance. An optimal portfolio depends on economic conditions, bank risk tolerance, regulations, and borrower creditworthiness. Overall, it should be diversified, balanced, and aligned with national economic goals.