A Commercial RE Portfolio Specialist provides credit administration and underwriting support while serving as the secondary contact on all managed relationships. The Portfolio Specialist is responsible for a wide range of duties including, but not limited to the following:
What You’ll Do
- Work with corporate banking RMs to manage all aspects of the loan portfolio including annual reviews, past dues, borrowing base monitoring, covenant compliance, CARs, collateral exceptions, and other portfolio management activities
- Actively participate and assist in all aspects of the loan process including joint calling, underwriting and preparation of credit approval packages
- Serve as secondary contact on client relationships
- Review loan documents
- Must be able to spread, analyze, and interpret businesses and financial statements
- Must be able to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
- Must prepare and be able to present credit analysis packages through the credit approval chain with limited supervision
- Will make calls on companies, sponsors and investment bankers with senior bankers
- Serves as the initial deal screen to determine loan viability –
- Research company and industry
- Prepare credit analysis packages
- Make preliminary recommendations
- Interact with senior executives in senior credit committee
- Communicate with corporate borrowers to obtain pertinent information for rendering recommendations
- Address compliance issues with management and customers; evaluate and recommend changes to covenants, pricing, credit agreement terms, etc.
- Other duties as assigned
- 4-year business degree with concentration in finance and/or accounting preferred
- 5-7 years of work experience in credit analysis and underwriting preferred
- Experience as a lender/relationship manager preferred
- Must possess a proficient knowledge of credit policy and loan documentation issues
- Must possess a knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations
- Must have excellent verbal and written communication skills
- Must be able to write clearly, concisely and efficiently
- Must understand and work effectively within the credit culture of the company
- Must allocate time effectively and prioritize work to meet timelines
- Must have experience spreading financial statements utilizing Moody’s or Baker Hill
- Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.
Must be able to pass a criminal background & credit check.
FLSA Status
Exempt
SUPERVISORY RESPONSIBILITY
This position does not have direct reports
WORK ENVIRONMENT
Location in UCB Footprint
POSITION TYPE
This is a full-time position that requires schedule flexibility to work evenings and weekends as needed.
TRAVEL
This position requires less than 5% travel.
OTHER
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Pay RangeUSD $115,000.00 - USD $130,333.00 /Yr.Skills Required
- Four-year business degree with a concentration in finance and/or accounting
- Five to seven years of experience in credit analysis and underwriting
- Experience as a lender or relationship manager
- Proficient knowledge of credit policy and loan documentation issues
- Knowledge of various loan structures and ability to formulate sound credit recommendations
- Excellent verbal and written communication skills
- Ability to write clearly, concisely, and efficiently
- Ability to work effectively within the company’s credit culture
- Ability to allocate time effectively and prioritize work to meet timelines
- Experience spreading financial statements using Moody's or Baker Hill
- Completion of required compliance training, including Bank Secrecy Act and anti-money laundering training
- Ability to pass a criminal background and credit check
United Community Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about United Community Bank and has not been reviewed or approved by United Community Bank.
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Leave & Time Off Breadth — PTO and parental leave are presented as robust, covering vacation, sick and personal time plus federal holidays. Time-away policies are highlighted as strengths relative to base pay.
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Healthcare Strength — The package includes multiple medical plan options, company-paid short- and long-term disability, and company-paid life insurance at a high multiple of salary. These protections are positioned as core strengths of the total rewards offering.
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Retirement Support — A 401(k) with employer match and HSA with employer contributions are part of the offering. These components indicate meaningful support for long-term financial security.
United Community Bank Insights
What We Do
Since 1950, United Community has been driven to provide best-in-class service as we work to improve the financial well-being of the people and communities we serve. As a top 100 U.S. financial institution, we offer comprehensive banking, wealth management, and mortgage services, serving clients across the Southeast with more than 200 locations throughout Alabama, Georgia, North Carolina, South Carolina, Tennessee, and Florida. Our commitment to service has earned us numerous accolades, including ten J.D. Power awards for #1 in customer satisfaction in the Southeast, and consistent recognition from Forbes, including multiple appearances on their lists of World's Best Banks and America's Best Banks. We were also recognized by Newsweek as one of America's Most Trusted Companies and are a multi-year recipient of American Banker's "Best Banks to Work For" award. We are an Equal Housing Lender and Member FDIC. For a better banking experience, visit your local United Community branch today. For more information about our products and services, please visit ucbi.com.
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