Portfolio Specialist II

United Community Bank; Marietta (GA); On-site; USD 70,000 - 82,135; Full time

Job summary

United Community Bank is seeking a Portfolio Specialist II to provide expert credit and sales support to our Commercial Banking Relationship Managers in Marietta, GA. The role focuses on portfolio management, underwriting, and delivering credit packages with strong analytical insight.

You will collaborate with Credit Analysts, prepare financial analyses, and help identify cross-sell opportunities while managing multiple priorities in a fast-paced banking environment.

Qualifications

• 3–5 years of commercial lending experience.
• Strong knowledge of loan structures and credit policy.
• Familiarity with banking regulations and loan documentation.
• Excellent communication and interpersonal skills.
• Ability to work independently and manage multiple priorities.

Responsibilities

• Provide credit and sales support to Relationship Managers for loan portfolios, including annual reviews, covenant compliance, borrowing base monitoring, and collateral exceptions.
• Assist in underwriting, preparing credit approval packages, and coordinating with Credit Analysts on financial spreads, LARs, and memos.
• Serve as a secondary contact for client relationships and identify cross-sell opportunities.
• Assist lenders with prospecting and prepare commitment letters and loan documents.
• Prepare and present credit analysis packages with limited supervision and recommend strategies to mitigate credit risks.

Skills

Commercial lending

Financial analysis

Credit policy

Communication skills

Time management

Navigator

Tools

Navigator

Job description

Overview

We’re seeking a Portfolio Specialist II to provide expert credit and sales support to our Commercial Banking Relationship Managers. This role is ideal for someone with strong analytical skills, a collaborative mindset, and a deep understanding of loan portfolio management.

What You’ll Do

• Credit & Sales Support

  • Partner with Relationship Managers to manage loan portfolios, including annual reviews, covenant compliance, borrowing base monitoring, and collateral exceptions.
  • Participate in joint client calls, underwriting, and preparing credit approval packages.
  • Coordinate with Credit Analysts to develop financial spreads, LARs, credit memos, and related documentation.
  • Serve as a secondary contact for client relationships and identify cross-sell opportunities.
  • Assist lenders with prospecting and prepare commitment letters and loan documents.

• Financial Analysis

  • Analyze complex business and personal financial statements and tax returns.
  • Evaluate client relationships holistically to identify risks and opportunities.
  • Prepare and present credit analysis packages with limited supervision.
  • Recommend strategies to mitigate credit risks.

Requirements For Success

• 3-5 years of experience in commercial lending, including underwriting and financial analysis.
• Strong knowledge of commercial loan structures and credit policy.
• Familiarity with banking regulations and loan documentation.
• Excellent communication and interpersonal skills.
• Ability to work independently and manage multiple priorities.
• Proficiency with financial reporting tools (e.g., Navigator).
• Strong organizational and time management skills.

Conditions of Employment

• Must pass a criminal background and credit check.
• Full-time, on-site position (non-remote).
• FLSA Status: Exempt.

Pay Range

USD $70,000.00 - USD $82,135.00 /Yr.