Portfolio Specialist I

United Community; Lawrenceville (GA); On-site; USD 70,000 - 80,000; Full time

Job summary

United Community in Lawrenceville, GA is seeking a Portfolio Specialist I to support Commercial Banking Relationship Managers in credit and portfolio management. The role covers loan reviews, underwriting input, and preparation of credit packages, with emphasis on accurate financial analysis and compliance.

You will collaborate with credit analysts, identify cross-sell opportunities, and help manage client relationships.

Qualifications

• Bachelor’s Degree with coursework in finance and accounting preferred.

Responsibilities

• Manage local loan portfolio with RMs including annual reviews and covenant compliance.
• Participate in loan process: underwriting and preparation of credit approval packages.
• Coordinate with Credit Analysts on LARs, credit memos, financial spreads.
• Serve as secondary contact on client relationships.
• Identify cross-sell opportunities with new and existing clients.
• Prepare commitments and review loan documents.
• Assist lenders in prospecting efforts.
• Spread, analyze and interpret complex financial statements and tax returns.
• Analyze relationships globally and mitigate risk.
• Prepare and present credit analysis packages through the approval chain.

Skills

Interpersonal skills

Verbal & written communication

Time management

Credit knowledge

Credit policy understanding

Education

Bachelor’s degree in finance/accounting

Tools

Navigator

Job description

Overview

A Portfolio Specialist I provides credit and sales support to Commercial Banking Relationship Managers.

What You’ll Do

• Work with RMs to manage all aspects of the local loan portfolio including annual reviews, past dues, borrowing base monitoring, covenant compliance, CARs, collateral exceptions, and other portfolio management activities
• Actively participate and assist in all aspects of the loan process including joint calling, underwriting, and preparation of credit approval packages
• Coordinate with Credit Analysts in the preparation of LARs, credit memos, financial spreads, and related documents
• Serve as secondary contact on client relationships
• Identify cross-sell opportunities with new and existing clients
• Prepare commitment letters and review loan documents
• Assist lenders in prospecting efforts
• Spread, analyze, and interpret complex business and personal financial statements and tax returns
• Analyze relationships, clients, and prospects globally, not just on individual requests
• Identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
• Prepare and present credit analysis packages through the credit approval chain with limited supervision

Requirements For Success

• Bachelor’s Degree with course work in finance and accounting preferred
• 1 - 2 years of work experience related to various aspects of commercial lending preferred
• Possess a general knowledge of credit policy, banking regulations, and loan documentation issues
• Possess knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations
• Excellent interpersonal skills
• Excellent communication skills; both verbal and written, one-on-one and in groups
• Ability to develop and maintain a cohesive and cooperative working relationship with co-workers
• Good personal organization and time management skills
• Understand and work effectively within the credit culture of the company
• Must allocate time effectively and independently prioritize work load to meet timelines
• Ability to work with in-house financial reporting applications, including Navigator
• Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc

Conditions of Employment

Must able to pass background and credit check.

FLSA Status

Exempt

SUPERVISORY RESPONSIBILITY

This position has no direct reports.

WORK ENVIRONMENT

Location in United Footprint

POSITION TYPE

This is a full-time position that requires schedule flexibility to work evenings and weekends as needed.

TRAVEL

This position requires up to 10% travel.

Other

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.

The job description is not designed to cover or contain a comprehensive listing of activities, duties or

responsibilities that are required of the employee. Other duties, responsibilities and activities may change or be assigned at any time with or without notice.

Pay Range

USD $70,000.00 - USD $80,000.00 /Yr.