United Community is seeking a highly skilled SBA Portfolio Manager. This job involves managing and supporting the SBA lending portfolio to ensure soundness, profitability, and growth. Responsibilities include portfolio management, credit analysis, underwriting, and sales support. The role also involves identifying and mitigating underwriting risks, analyzing new SBA credit opportunities, and collecting client financial information. Additionally, the position requires mentoring team members, managing loan renewals, and maintaining compliance with regulations.
What You’ll Do- Review loan documents, spread, analyze, and interpret business and financial statements.
- Identify strengths and weaknesses of individual requests and make recommendations to mitigate perceived risks.
- Prepare and present credit analysis packages through the credit approval chain with limited supervision.
- Serve as a secondary contact on client relationships for loans within the UCB branch footprint.
- Evaluate and decide on loan renewal requests for SBA Express Lines of Credit.
- Actively manage past dues to minimize late payments.
- Mentor SBA Servicing Portfolio Specialists and other servicing team members.
- Review portfolio loans approaching maturity and work with clients and/or bankers to gather necessary data for informed renewal decisions.
- Manage the loan portfolio for red flags and early warning signals of potential problem loans.
- Work directly with clients and/or UCB bankers or Special Assets Officers to devise appropriate action plans if/when an SBA loan is downgraded.
- Assist with completing the initial CAR in preparation for the loan to transition to the Special Assets Department.
- Complete annual reviews on all borrowing relationships within the portfolios as outlined in the SBA Loan Monitoring procedures.
- Complete any special project work.
- Perform other duties as assigned.
- BS or BA degree, 7 – 10 years of solid experience in financial analysis, loan structuring, analytical skills with problem solving abilities, underwriting and portfolio management preferred
- 3 – 5 years of experience in SBA lending administration
- Ability to assume responsibility and maintain accountability for decision making
- Ability to make sound loan decisions in a timely manner
- Must be very organized, detailed-oriented, and proactive with excellent time management skills and the ability to multi-task
- Ability to spread an analyze business and personal financial statements and cash flow, gather relevant information, and make appropriate recommendations utilizing Moody’s or Baker Hill software
- Identify strengths, weaknesses, and mitigating factors for each servicing request
- Extensive knowledge of SBA loan programs and corresponding SOP’s and credit related regulations
- Strong interpersonal skills facilitating maximization of working relationships with customers, SBA team members and UCB bankers
- Strong organizational and communication skills (verbal and written). Must be able to write clearly and effectively, and be able to communicate one-on-one and in groups
- Proficient computer skills including knowledge of 360 View, Navigator, Director, nCino and Statement Analyzer
- Must be able to pass a criminal background & credit check
- This is a full-time, non-remote position
FLSA Status:
Exempt
WORK ENVIRONMENT
UCB Location within the UCB Footprint or Remote
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.
Pay RangeUSD $88,074.00 - USD $102,418.00 /Yr.
Skills Required
- Bachelor’s degree in business, finance, or a related field (BS or BA)
- 7–10 years of experience in financial analysis, loan structuring, underwriting, and portfolio management
- 3–5 years of experience in SBA lending administration
- Ability to make sound loan decisions and maintain accountability for decision-making
- Ability to analyze business and personal financial statements and cash flow
- Experience using Moody’s or Baker Hill software
- Extensive knowledge of SBA loan programs, corresponding SOPs, and credit-related regulations
- Strong analytical, problem-solving, organizational, time-management, and multitasking skills
- Strong interpersonal and written and verbal communication skills
- Proficient computer skills and knowledge of 360 View, Navigator, Director, nCino, and Statement Analyzer
- Ability to pass a criminal background and credit check
- Ability to work a flexible schedule, including 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.
