Responsible for the generation and management of a wide variety of businesses that have annual sales above $5 million. The size and complexity of the companies would require analytical training and experience necessary to communicate with a business owner/CEO, CFO or Business Controller.
Duties include developing and managing commercial business relationships including making loans, obtaining deposit accounts, selling cash management services, and cross selling other bank services. Provide guidance to credit analyst and/or portfolio managers and promote the bank within the community.
What You’ll Do- Manage and retain profitable client relationships
- Develop new business through active calling on clients and prospects
- Develop and maintain a strong COI’s network
- Use Vertical IQ, Business Browser, or other tools available to research and develop leads
- Manage individual production versus assigned goals
- Recommend structure, terms, and rate for loans being underwritten
- Provide guidance to credit analysts
- Manage loan closing process to include preparing term sheets and commitment letters as well as communicating with attorneys, appraisers, and related professionals
- Ensure adherence to company loan policies and procedures
- Evaluate risk to meet profitability standards
- Actively participate in community activities or events such as Chamber, Kiwanis, Rotary, etc.
- Perform quarterly check-ins along with an effective management plan consisting of goals for staff, if applicable
- Bachelor’s degree in business, economics, finance, or accounting preferred or equivalent combination of education and experience
- Minimum three years’ banking experience in credit analysis or lending
- Capable of analyzing complex financial statements/completion of commercial analyst training program
- Possess effective sales and negotiation skills
- Possess excellent verbal and written communication skills
- Strong customer service skills
- Ability to work independently as well as part of a team
- Self-motivated/takes initiative
- Proficient in Microsoft programs
- 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 could manage employees and is responsible for the coaching, development, and performance management of those employees.
WORK ENVIRONMENT
Location in United Footprint
POSITION TYPE
This is a full-time position that requires schedule flexibility to work evenings and weekends as needed.
TRAVEL
This position requires up to 20% 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 $0.00 - USD $0.00 /Yr.Skills Required
- Bachelor's degree in business, economics, finance, or accounting, or equivalent education and experience
- Minimum three years of banking experience in credit analysis or lending
- Ability to analyze complex financial statements or completion of a commercial analyst training program
- Effective sales and negotiation skills
- Excellent verbal and written communication skills
- Strong customer service skills
- Ability to work independently and as part of a team
- Self-motivated and able to take initiative
- Proficiency in Microsoft programs
- Participation in 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.
