Portfolio Manager

United Community Bank Raleigh , NC 27611

Posted 2 months ago

Position Title: Portfolio Manager

Reports To: CEO, Senior Lender, or other designated local senior management

Direct Reports: N/A


Responsible for managing larger commercial credits. Ensures the portfolio achieves soundness, probability, and growth objectives. Provides credit and sales support to Commercial Lending.


  • Bachelor's Degree from an accredited school with course work in finance and accounting preferred

  • 5+ years' work experience related to various aspects of commercial lending

  • Possesses a proficient knowledge of credit policy, banking regulations, and loan documentation issues

  • Must be able to spread, analyze, and interpret complex business and personal financial statements and tax returns

  • Must be able to analyze relationships, clients, and prospects globally, not just on individual requests

  • Must be able to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks

  • Must prepare and be able to present credit analysis packages through the credit approval chain with limited supervision

  • Must possess an extensive knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations

  • Must have excellent interpersonal and communication skills

  • Must be able to verbally communicate effectively one-to-one and in groups

  • Must be able to write clearly and effectively

  • Must be able to develop and maintain cohesive, cooperative working relationship with co-workers

  • Must have good personal organization and time management skills

  • Must understand and work effectively within the credit culture of the company

  • Must allocate time effectively and independently prioritize work load to meet timelines

  • Must be able to work with in-house financial reporting applications, including Navigator

  • Good mathematical, reading comprehension and writing skills

  • 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.


  • Working with lenders to manage all aspects of the local loan portfolio including annual reviews, past dues, BBRs, covenant compliance, CARs, collateral exceptions, and other portfolio management tools

  • Actively participating and assisting in all aspects of the loan process including calling, underwriting, presenting throughout the credit approval chain, and closing

  • Identifying and collecting all relevant information required to analyze credit requests

  • Coordinating with Credit Analysts in the preparation of LARs, credit memos, financial spreads, and related documents

  • Serving as secondary contact on client relationships

  • Identifying cross-sell opportunities with new and existing clients

  • Preparing commitment letters and reviewing loan documents

  • Assisting lenders in their prospecting efforts

  • Other duties as assigned

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Portfolio Manager

United Community Bank