United Community Bank
Portfolio Manager
United Community Bank, Miami, Florida, United States,
Job Title:
Portfolio Manager
Reports To:
Senior Lender, or other designated local senior management
Direct Reports:
N/A
Salary Grade:
10
SUMMARY
Responsible for managing larger commercial credits. Ensures the portfolio achieves soundness, probability, and growth objectives. Provides credit and sales support to Commercial Lending.
EDUCATION AND EXPERIENCE REQUIREMENTSBachelor's Degree from an accredited school with course work in finance and accounting preferred5+ years' work experience related to various aspects of commercial lendingPossesses a proficient knowledge of credit policy, banking regulations, and loan documentation issuesMust be able to spread, analyze, and interpret complex business and personal financial statements and tax returnsMust be able to analyze relationships, clients, and prospects globally, not just on individual requestsMust be able to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risksMust prepare and be able to present credit analysis packages through the credit approval chain with limited supervisionMust possess an extensive knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendationsMust have excellent interpersonal and communication skillsMust be able to verbally communicate effectively one-to-one and in groupsMust be able to write clearly and effectivelyMust be able to develop and maintain cohesive, cooperative working relationship with co-workersMust have good personal organization and time management skillsMust understand and work effectively within the credit culture of the companyMust allocate time effectively and independently prioritize work load to meet timelinesMust be able to work with in-house financial reporting applications, including NavigatorGood mathematical, reading comprehension and writing skillsParticipate 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.JOB FUNCTIONS
Working with lenders to manage all aspects of the local loan portfolio including annual reviews, past dues, BBRs, covenant compliance, CARs, collateral exceptions, and other portfolio management toolsActively participating and assisting in all aspects of the loan process including calling, underwriting, presenting throughout the credit approval chain, and closingIdentifying and collecting all relevant information required to analyze credit requestsCoordinating with Credit Analysts in the preparation of LARs, credit memos, financial spreads, and related documentsServing as secondary contact on client relationshipsIdentifying cross-sell opportunities with new and existing clientsPreparing commitment letters and reviewing loan documentsAssisting lenders in their prospecting efforts
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 some 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.
Portfolio Manager
Reports To:
Senior Lender, or other designated local senior management
Direct Reports:
N/A
Salary Grade:
10
SUMMARY
Responsible for managing larger commercial credits. Ensures the portfolio achieves soundness, probability, and growth objectives. Provides credit and sales support to Commercial Lending.
EDUCATION AND EXPERIENCE REQUIREMENTSBachelor's Degree from an accredited school with course work in finance and accounting preferred5+ years' work experience related to various aspects of commercial lendingPossesses a proficient knowledge of credit policy, banking regulations, and loan documentation issuesMust be able to spread, analyze, and interpret complex business and personal financial statements and tax returnsMust be able to analyze relationships, clients, and prospects globally, not just on individual requestsMust be able to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risksMust prepare and be able to present credit analysis packages through the credit approval chain with limited supervisionMust possess an extensive knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendationsMust have excellent interpersonal and communication skillsMust be able to verbally communicate effectively one-to-one and in groupsMust be able to write clearly and effectivelyMust be able to develop and maintain cohesive, cooperative working relationship with co-workersMust have good personal organization and time management skillsMust understand and work effectively within the credit culture of the companyMust allocate time effectively and independently prioritize work load to meet timelinesMust be able to work with in-house financial reporting applications, including NavigatorGood mathematical, reading comprehension and writing skillsParticipate 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.JOB FUNCTIONS
Working with lenders to manage all aspects of the local loan portfolio including annual reviews, past dues, BBRs, covenant compliance, CARs, collateral exceptions, and other portfolio management toolsActively participating and assisting in all aspects of the loan process including calling, underwriting, presenting throughout the credit approval chain, and closingIdentifying and collecting all relevant information required to analyze credit requestsCoordinating with Credit Analysts in the preparation of LARs, credit memos, financial spreads, and related documentsServing as secondary contact on client relationshipsIdentifying cross-sell opportunities with new and existing clientsPreparing commitment letters and reviewing loan documentsAssisting lenders in their prospecting efforts
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 some 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.