CRE Portfolio Underwriter & Credit Analyst

United Community Bank; Greenville (SC); On-site; USD 115,000 - 130,000; Full time

Job summary

United Community Bank seeks a Commercial RE Portfolio Specialist to provide credit administration and underwriting support while serving as the secondary contact on managed relationships. You will handle portfolio management duties including annual reviews, covenant compliance, and collateral management, while supporting loan processing and analysis.

The role requires strong spread and interpretation of financial statements, with experience in credit policy and loan documentation.

Qualifications

• 4-year business degree with concentration in finance and/or accounting preferred.
• 5-7 years of credit analysis and underwriting experience preferred.
• Experience as a lender/relationship manager preferred.
• Proficient knowledge of credit policy and loan documentation issues.
• Knowledge of various loan structures and ability to apply this knowledge in credit recommendations.
• Excellent verbal and written communication skills.
• Ability to write clearly, concisely and efficiently.
• Understand and work within the credit culture of the company.
• Ability to prioritize work to meet timelines.
• Experience spreading financial statements using Moody’s or Baker Hill.

Responsibilities

• Manage all aspects of the loan portfolio with RMs, including annual reviews, past dues, borrowing base monitoring, covenant compliance, CAMs, and collateral management.
• Assist in the loan process: joint calling, underwriting, and preparation of credit approval packages.
• Serve as secondary contact on client relationships.
• Review loan documents.
• Spread, analyze, and interpret financial statements.
• Identify strengths and weaknesses of requests and propose risk mitigations.
• Prepare and present credit analysis packages through the credit approval chain.
• Make calls on companies, sponsors, and investment bankers with senior bankers.
• Screen deals for viability: research company and industry, prepare packages, make preliminary recommendations, interact with senior executives in credit committee.
• Communicate with borrowers to obtain information for recommendations.
• Address compliance issues; evaluate covenants and terms.
• Other duties as assigned.

Skills

Credit analysis

Financial analysis

Communication

Time management

Lending/relationship

Education

Finance/Accounting degree

5-7 years credit analysis experience

Tools

Moody’s

Baker Hill

Job description

United Community Bank seeks a Commercial RE Portfolio Specialist to provide credit administration and underwriting support while serving as the secondary contact on managed relationships. You will handle portfolio management duties including annual reviews, covenant compliance, and collateral management, while supporting loan processing and analysis.

The role requires strong spread and interpretation of financial statements, with experience in credit policy and loan documentation.