Portfolio Specialist I

United Community Banks Inc.; Lawrenceville (GA); On-site; USD 55,000 - 75,000; Full time

Job summary

United Community Banks Inc. seeks a Portfolio Specialist I to provide credit and sales support to Commercial Banking Relationship Managers in the Lawrenceville, GA area.

Responsibilities include managing loan portfolios, underwriting, and coordinating with Credit Analysts. The role emphasizes client relationship support, cross-selling opportunities, and thorough financial statement analysis. Local market knowledge and collaboration with RM team are essential for success.

Qualifications

• Bachelor’s degree with coursework in finance and accounting preferred.
• 1–2 years of work experience related to commercial lending preferred.
• Knowledge of credit policy, banking regulations, and loan documentation issues.
• Excellent interpersonal and communication skills; both verbal and written.
• Ability to develop and maintain cooperative working relationships.

Responsibilities

• Support RMs in portfolio management and annual reviews, past dues, and covenant monitoring.
• Assist in underwriting and preparation of credit approval packages.
• Coordinate with Credit Analysts for LARs, memos, and financial spreads.
• Serve as secondary contact on client relationships and identify cross-sell opportunities.
• Prepare commitment letters and review loan documents; support lenders in prospecting.
• Spread, analyze, and interpret financial statements and tax returns.
• Analyze relationships globally and assess risk to address potential issues.
• Present credit analysis packages through the approval chain with limited supervision.

Skills

Interpersonal

Communication

Credit policy

Loan docs

Portfolio mgmt

Education

Finance/Accounting degree

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