Commercial Lending Portfolio Specialist II

United Community Banks Inc.; Marietta (GA); On-site; USD 70,000 - 82,135; Full time

Job summary

United Community Banks Inc. seeks a Portfolio Specialist II to provide expert credit and sales support to our Commercial Banking Relationship Managers in Marietta, GA.

This role emphasizes portfolio management, financial analysis, and collaboration with credit teams to ensure strong client outcomes. You will analyze complex financial statements, assist with underwriting, and prepare credit packages while identifying cross-sell opportunities.

Qualifications

• 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.

Responsibilities

• Coordinate 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.
• 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.

Skills

Credit analysis

Financial analysis

Portfolio management

Commercial lending

Customer relationship management

Tools

Navigator

Job description

United Community Banks Inc. seeks a Portfolio Specialist II to provide expert credit and sales support to our Commercial Banking Relationship Managers in Marietta, GA.

This role emphasizes portfolio management, financial analysis, and collaboration with credit teams to ensure strong client outcomes. You will analyze complex financial statements, assist with underwriting, and prepare credit packages while identifying cross-sell opportunities.