Portfolio Manager Senior

Do you enjoy a mix of analytical work, team management, and client interaction? Are you someone who thrives in a dynamic, performance-driven environment? If so, this is the role for you!

United Community is looking for a skilled analytical and detail-oriented Portfolio Manager Senior to manage our larger commercial credits and ensure the portfolio meets soundness, profitability, and growth objectives. The Portfolio Manager Senior will provide credit, underwriting, and sales support to maximize portfolio performance. You will also serve as a secondary contact on client relationships, ensuring a seamless and efficient loan process.

What You’ll Do

• Portfolio Management:
• Works with lenders to manage all aspects of the local loan portfolio including annual reviews, past dues, BBR’s, covenant compliance, CARs, collateral exceptions, and other portfolio management tools
• Ensures proper risk profile of the market loan portfolio in collaboration with the local President, Commercial Lending Division Manager, and Regional Credit Officer
• Maintains credit authority as delegated by the Regional President
• Team Management:
• Directly manages, as both player and a coach, a market-level team of credit specialist, portfolio managers, and analysts
• Triages, manages, and delegates workflow with Portfolio Specialists in preparation of LARs, credit memos, spread, and related documents
• Coaches and supports the team on developing relational business acumen
• Loan Process Participation:
• Actively participates and assists in all aspects of the loan process including calling, underwriting, presenting through the credit approval chain, and closing
• Identifies and collects all relevant information required to analyze credit requests
• Prepares commitment letters and reviews loan documents
• Client Relationship Management:
• Serves as secondary contact on client relationships
• Identifies cross-sell opportunities with new and existing clients
• Proactively assists lenders in prospecting efforts and makes calls with the lender when necessary
  
  

The Ideal Candidate Will Have

• Required Skills/Experience :
• 7 – 10 years of experience in financial services related to various aspects of commercial lending
• Extensive knowledge of credit policy, banking regulations, and loan documentation issues
• Extensive knowledge of various loan structures and capable of making sound credit recommendations
• Demonstrated ability to spread, analyze, and interpret complex business and personal financial statements and tax returns
• Strong ability to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
• Excellent verbal and written communication skills; ability to understand and convey complex information clearly and efficiently to varied audiences, including senior executives
• Education : Bachelor's Degree in finance or accounting is preferred
  
  

Conditions Of Employment

• Must be able to pass a criminal background and credit check
• This is a full-time position
  
  

FLSA Status

• Exempt
  
  

Ready to take your career to the next level? Apply now and become a vital part of our team!

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 .