We’re seeking a Portfolio Specialist II to provide expert credit and sales support to our Commercial Banking Relationship Managers. This role is ideal for someone with strong analytical skills, a collaborative mindset, and a deep understanding of loan portfolio management.
What You’ll DoCredit & Sales Support
- Partner with Relationship Managers to manage loan portfolios, including annual reviews, covenant compliance, borrowing base monitoring, and collateral exceptions.
- Participate in joint client calls, underwriting, and preparing credit approval packages.
- Coordinate with Credit Analysts to develop financial spreads, LARs, credit memos, and related documentation.
- Serve as a secondary contact for client relationships and identify cross-sell opportunities.
- Assist lenders with prospecting and prepare commitment letters and loan documents.
Financial Analysis
- Analyze complex business and personal financial statements and tax returns.
- Evaluate client relationships holistically to identify risks and opportunities.
- Prepare and present credit analysis packages with limited supervision.
- Recommend strategies to mitigate credit risks.
- 3–5 years of experience in commercial lending, including underwriting and financial analysis.
- Strong knowledge of commercial loan structures and credit policy.
- Familiarity with banking regulations and loan documentation.
- Excellent communication and interpersonal skills.
- Ability to work independently and manage multiple priorities.
- Proficiency with financial reporting tools (e.g., Navigator).
- Strong organizational and time management skills.
- Must pass a criminal background and credit check.
- Full-time, on-site position (non-remote).
- FLSA Status: Exempt.
Skills Required
- 3-5 years of experience in commercial lending, including underwriting and financial analysis
- Strong knowledge of commercial loan structures and credit policy
- Familiarity with banking regulations and loan documentation
- Excellent communication and interpersonal skills
- Ability to work independently and manage multiple priorities
- Proficiency with financial reporting tools, such as Navigator
- Strong organizational and time management skills
- Must 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.
-
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.
-
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.
-
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.
