A Portfolio Specialist I provides credit and sales support to Commercial Banking Relationship Managers.
What You’ll Do- Work with RMs to manage all aspects of the local 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
- Coordinate with Credit Analysts in the preparation of LARs, credit memos, financial spreads, and related documents
- Serve as secondary contact on client relationships
- Identify cross-sell opportunities with new and existing clients
- Prepare commitment letters and review loan documents
- Assist lenders in prospecting efforts
- Spread, analyze, and interpret complex business and personal financial statements and tax returns
- Analyze relationships, clients, and prospects globally, not just on individual requests
- Identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
- Prepare and present credit analysis packages through the credit approval chain with limited supervision
- Bachelor’s Degree with course work in finance and accounting preferred
- 1 - 2 years of work experience related to various aspects of commercial lending preferred
- Possess a general knowledge of credit policy, banking regulations, and loan documentation issues
- Possess knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations
- Excellent interpersonal skills
- Excellent communication skills; both verbal and written, one-on-one and in groups
- Ability to develop and maintain a cohesive and cooperative working relationship with co-workers
- Good personal organization and time management skills
- Understand and work effectively within the credit culture of the company
- Must allocate time effectively and independently prioritize work load to meet timelines
- Ability to work with in-house financial reporting applications, including Navigator
- 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 able to pass background and credit check.
FLSA Status:
Exempt
SUPERVISORY RESPONSIBILITY This position has no direct reports. 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 10% 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.
The job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Other duties, responsibilities and activities may change or be assigned at any time with or without notice.
Pay RangeUSD $70,000.00 - USD $80,000.00 /Yr.Skills Required
- Bachelor's degree with coursework in finance and accounting
- 1–2 years of experience related to commercial lending
- General knowledge of credit policy, banking regulations, and loan documentation
- Knowledge of loan structures and ability to formulate sound credit recommendations
- Excellent interpersonal, verbal, and written communication skills
- Ability to develop cooperative working relationships with coworkers
- Strong organization and time management skills
- Ability to prioritize workload independently and meet timelines
- Ability to use in-house financial reporting applications, including Navigator
- Completion of required compliance training, including Bank Secrecy Act and anti-money laundering training
- Ability to pass a background and credit check
- Schedule flexibility to work evenings and weekends as needed
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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