Senior Commercial Portfolio Leader - Growth & Credit

United Community Bank; Ponte Vedra Beach (FL); Vor Ort; USD 68.000 - 113.000; Vollzeit

Zusammenfassung

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.

Qualifikationen

• 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.

Aufgaben

• 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.

Kenntnisse

Credit analysis

Financial statement analysis

Risk management

Leadership

Communication

Ausbildung

Bachelor's degree in Finance or Accounting

Tools

Internal reporting tools

Jobbeschreibung

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.