Portfolio Manager

United Bank; Shallotte (NC); On-site; USD 80,000 - 110,000; Full time

Job summary

United Bank is seeking a Portfolio Manager in Shallotte, NC to lead underwriting, portfolio administration and credit quality for a defined loan portfolio. You will partner with lenders, treasury management, and internal teams to structure, present and close credit solutions.

Ideal candidates have a strong background in financial services, loan underwriting, and credit analysis, with a focus on risk management and client relationship growth.

Qualifications

• Bachelor's degree in business, finance or related field or equivalent experience required.
• Minimum of three years of financial services experience; commercial banking exposure highly desired.
• Experience with loan underwriting and credit analysis required.
• Ability to analyze financial statements and tax returns; strong regulatory understanding.

Responsibilities

• Underwrite and support the commercial lending process with policy knowledge and risk assessment.
• Collaborate with lenders and treasury management to grow fees, deposits, and portfolio revenue.
• Manage full loan request cycle from evaluation to term sheet preparation.
• Liaise with bank departments, customers, and attorneys on loan transactions.
• Monitor renewals, covenant tracking, and documentation to address exceptions.

Skills

Verbal communication

Written communication

Financial analysis

Credit underwriting

Relationship management

Sales skills

Bilingual (English/Spanish)

Education

Bachelor's degree in business, finance or related field

Tools

Microsoft Office Suite

Job description

United Bank

United Bank is an Equal Opportunity employer. Applicants and employees are considered for positions and are evaluated without regard to mental or physical disability, race, color, religion, gender, national origin, age, genetic information, military or veteran status, sexual orientation, marital status, gender identity, or any other protected Federal, State/Province or Local status unrelated to the performance of the work involved.

Portfolio Manager

Date: Sep 1, 2026

Location: Shallotte, NC, US, 28470

Company: United Bank

Job Description

JOB SUMMARY: The Portfolio Manager takes primary responsibility for the underwriting process, portfolio administration and credit quality of assigned portfolio partnering with lenders and other stakeholders both within the Bank and externally.

RESPONSIBILITIES

• Support the commercial lending process through underwriting, policy knowledge, credit structuring, and risk assessment in credit request packages for assigned portfolio. Ensure packages are complete, accurate and properly documented.
• Working directly with commercial lenders, treasury management and other team members to effectively grow fees, deposits, and portfolio revenue by presenting financial solutions to customers.
• Responsible for full cycle of loan request process; From conducting preliminary evaluation, to entering and maintaining client information in commercial database, to providing full financial and market analysis and preparing a recommended term sheet.
• Contribute to the Market's success in meeting/exceeding volume and production goals; Accompanies lenders during sales calls to assist with account details, relationship building, and product recommendations.
• Primary liaison with internal and external stakeholders to include various Bank departments, customers, attorneys, and commercial lenders/leadership.
• Identify and recommend changes or enhancements to the Bank's lending policies and procedures, to better serve community and current market needs.
• Collaborate with lenders to identify areas of concerns pertaining to a loan and in the management of maturing loans.
• Responsible for overseeing renewals, document tickler and covenant tracking of loans.
• Monitor loan documentation and financial statement exception reports and follow-up to clear up document exceptions in a timely manner.
• Troubleshoot, report and manage activity on delinquent accounts at the various intervals.
• Generate and provide requested reports as necessary on Team's loan portfolio.
• Participate in team sales call and attend external events and market activities in a business development role.

Qualifications

SKILLS/QUALIFICATIONS

• Bachelor's degree in business, finance or related field or equivalent experience required.
• Minimum of three (3) years of experience working in Financial Services required; Exposure to Commercial Banking highly desired.
• Prior working experience with loan underwriting and credit training is required.
• Ability to successfully complete system training within 90 days of hire.
• Ability to analyze financial and project statement, corporate and personal tax returns.
• Understanding of basic loan structure processes and regulations associated with lending
• Strong understanding of loan documentation criteria.
• Knowledge of United's services, products, policies and procedures is a plus.
• Excellent verbal and written communications skills in Spanish or additional language a plus.
• Proficiency with Microsoft Office Suite (Word, Excel, PowerPoint)
• Excellent interpersonal, customer relations and sales skills.
• Ability to demonstrate being a self-starter, well-organized, detail oriented.
• Ability to work well independently and in a fast-paced environment.
• Travel within the local market may be required.

KEY COMPETENCIES

• Relationship Management
• Appetite for Continuous Learning
• Self-Motivated
• Professionalism

ESSENTIAL FUNCTIONS

• Sitting for extended periods of time.
• Ability to efficiently operate a computer keyboard, mouse, power tools, and other computer components.
• Ability to converse and exchange information with all levels of staff within organization.
• Ability to observe, perceive, identify, and translate data

Full-time

Equal employment opportunity, including veterans and individuals with disabilities.

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