Commercial Portfolio Manager, Credit & Growth

United Community Banks Inc.; Decatur (AL); On-site; USD 90,000 - 130,000; Full time

Job summary

United Community Banks Inc. in Huntsville or Decatur, AL seeks a Portfolio Manager to oversee larger commercial credits, ensuring soundness, profitability, and growth.

You will provide credit and sales support to Commercial Lending and craft detailed credit analysis packages. Ideal candidates have 5+ years in commercial lending, a finance or accounting degree, and strong skills in financial statement analysis, credit policy, and client relations.

Qualifications

• 5+ years of experience in commercial lending.
• Bachelor’s degree in finance or accounting preferred.
• Knowledge of credit policy, banking regulations, and loan documentation.
• Ability to analyze complex financial statements and tax returns.
• Strong interpersonal and writing skills.
• Proficiency with in-house financial reporting applications, including Navigator.

Responsibilities

• Manage larger commercial credits to ensure portfolio soundness, profitability, and growth.
• Provide credit and sales support to Commercial Lending.
• Analyze complex financial statements and prepare credit analysis packages.
• Serve as secondary contact on client relationships.
• Identify cross-sell opportunities with new and existing clients.
• Assist in the loan process, including underwriting and closing.
• Prepare commitment letters and review loan documents.
• Assist lenders in their prospecting efforts.

Skills

Commercial lending expertise

Credit policy knowledge

Financial statement analysis

Interpersonal communication

Time management

Education

Bachelor's degree in finance or accounting

Tools

Navigator

Job description

United Community Banks Inc. in Huntsville or Decatur, AL seeks a Portfolio Manager to oversee larger commercial credits, ensuring soundness, profitability, and growth.

You will provide credit and sales support to Commercial Lending and craft detailed credit analysis packages. Ideal candidates have 5+ years in commercial lending, a finance or accounting degree, and strong skills in financial statement analysis, credit policy, and client relations.