Portfolio Specialist II: Credit & Lending Analysis

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

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Tools

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Job description

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.