Portfolio Manager Senior

United Community Bank; Ponte Vedra Beach (FL); On-site; USD 68,000 - 113,000; Full time

Job summary

United Community Bank in Ponte Vedra Beach, FL seeks a Portfolio Manager Senior to oversee a portfolio of large commercial credits and provide expert credit, underwriting, and sales support. You will serve as a secondary contact for client relationships and lead a team of credit professionals.

The role requires strong analytical and communication skills, deep knowledge of credit policy, and experience in financial statement and tax analysis.

Qualifications

• Bachelor's degree in Finance or Accounting preferred.
• 7–10 years experience in commercial lending or financial services.
• Deep knowledge of credit policy, banking regulations, and loan documentation.
• Proven ability to analyze complex financial statements and tax returns.
• Strong analytical, organizational, and time management skills.
• Excellent communication and interpersonal skills.
• Proficiency in internal systems and reporting tools.

Responsibilities

• Lead all aspects of local loan portfolio management, including annual reviews, covenant compliance, and collateral exceptions.
• Collaborate with senior leadership to maintain appropriate risk profiles.
• Mentor a team of credit specialists, portfolio managers, and analysts.
• Oversee the preparation of credit memos, spreads, and related documentation.
• Participate in client calls, underwriting, credit presentations, and loan closings.
• Identify and mitigate credit risks through sound analysis and recommendations.
• Prepare commitment letters and review loan documentation.
• Support cross-sell initiatives and coach team members on relationship development.
• Assist lenders in prospecting and client engagement efforts.

Skills

Credit analysis

Financial statement analysis

Risk management

Leadership

Communication

Education

Bachelor's degree in Finance or Accounting

Tools

Internal reporting tools

Job description

Overview

United Community is seeking a highly experienced Portfolio Manager Senior to oversee and manage a portfolio of large commercial credits. This role is critical in ensuring the portfolio meets soundness, profitability, and growth objectives. The ideal candidate will provide expert credit, underwriting, and sales support, while also serving as a secondary contact for client relationships.

What You'll Do

• Lead all aspects of local loan portfolio management, including annual reviews, covenant compliance, and collateral exceptions.
• Collaborate with senior leadership to maintain appropriate risk profiles.
• Manage and mentor a team of credit specialists, portfolio managers, and analysts.
• Oversee the preparation of credit memos, spreads, and related documentation.
• Participate in client calls, underwriting, credit presentations, and loan closings.
• Identify and mitigate credit risks through sound analysis and recommendations.
• Prepare commitment letters and review loan documentation.
• Support cross-sell initiatives and coach team members on relationship development.
• Assist lenders in prospecting and client engagement efforts.

Requirements For Success

• Bachelor's degree in Finance or Accounting preferred.
• 7-10 years of experience in commercial lending or financial services.
• Deep knowledge of credit policy, banking regulations, and loan documentation.
• Proven ability to analyze complex financial statements and tax returns.
• Strong analytical, organizational, and time management skills.
• Excellent communication and interpersonal skills.
• Proficiency in internal systems and reporting tools.

Conditions of Employment

• Must be able to pass a criminal background & credit check
• This is a full-time, non-remote position

FLSA Status

• Exempt

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.

Pay Range

USD $68,287.00 - USD $113,209.00 /Yr.