About this role
<div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px">Job Description</H2> </div><div><p><b>JOB SUMMARY: </b><br> The Portfolio Manager takes primary responsibility for the underwriting process, portfolio administration and credit quality of assigned portfolio partnering with lenders and other stakeholders both within the Bank and externally. </p> <p><br> <b>RESPONSIBILITIES:</b><br> • Support the commercial lending process through underwriting, policy knowledge, credit structuring, and risk assessment in credit request packages for assigned portfolio. Ensure packages are complete, accurate and properly documented.<br> • Working directly with commercial lenders, treasury management and other team members to effectively grow fees, deposits, and portfolio revenue by presenting financial solutions to customers.<br> • Responsible for full cycle of loan request process; From conducting preliminary evaluation, to entering and maintaining client information in commercial database, to providing full financial and market analysis and preparing a recommended term sheet.<br> • Contribute to the Market’s success in meeting/exceeding volume and production goals; Accompanies lenders during sales calls to assist with account details, relationship building, and product recommendations.<br> • Primary liaison with internal and external stakeholders to include various Bank departments, customers, attorneys, and commercial lenders/leadership.<br> • Identify and recommend changes or enhancements to the Bank’s lending policies and procedures, to better serve community and current market needs.<br> • Collaborate with lenders to identify areas of concerns pertaining to a loan and in the management of maturing loans.<br> • Responsible for overseeing renewals, document tickler and covenant tracking of loans.<br> • Monitor loan documentation and financial statement exception reports and follow-up to clear up document exceptions in a timely manner.<br> • Troubleshoot, report and manage activity on delinquent accounts at the various intervals.<br> • Generate and provide requested reports as necessary on Team’s loan portfolio.<br> • Participate in team sales call and attend external events and market activities in a business development role.</p> </div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px">Qualifications</H2> </div><div><p><b>SKILLS/QUALIFICATIONS:</b><br> • Bachelor’s degree in business, finance or related field or equivalent experience required.<br> • Minimum of three (3) years of experience working in Financial Services required; Exposure to Commercial Banking highly desired.<br> • Prior working experience with loan underwriting and credit training is required.<br> • Ability to successfully complete system training within 90 days of hire.<br> • Ability to analyze financial and project statement, corporate and personal tax returns.<br> • Understanding of basic loan structure processes and regulations associated with lending<br> • Strong understanding of loan documentation criteria.<br> • Knowledge of United’s services, products, policies and procedures is a plus.<br> • Excellent verbal and written communications skills in Spanish or additional language a plus.<br> • Proficiency with Microsoft Office Suite (Word, Excel, PowerPoint)<br> • Excellent interpersonal, customer relations and sales skills.<br> • Ability to demonstrate being a self-starter, well-organized, detail oriented.<br> • Ability to work well independently and in a fast-paced environment.<br> • Travel within the local market may be required.</p> <p><br> <b>KEY COMPETENCIES:</b></p> <p>• Relationship Management<br> • Appetite for Continuous Learning<br> • Self-Motivated<br> • Professionalism</p> <p><br> <b>Essential Functions: </b><br> • Sitting for extended periods of time.<br> • Ability to efficiently operate a computer keyboard, mouse, power tools, and other computer components.<br> • Ability to converse and exchange information with all levels of staff within organization.<br> • Ability to observe, perceive, identify, and translate data</p> </div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="font-size:16.0px;word-wrap:break-word"><H2 style="font-size:1.0em;margin:0.0px">Company Profile</H2> </div><div><p><strong>Please <a href="https://www.bankwithunited.com/content/dam/unitedbank/documents/united-bank/Benefit-Eligibility-Chart.pdf">click here</a> to access a list of benefits for which this position is eligible. Additional information regarding United's Mission, Values and Culture can be found <u><a href="https://www.bankwithunited.com/about-united.html">here</a></u>.</strong><strong></strong></p> <p></p> <p>At United, our strength is our people, and we are committed to nurturing a culture that is reflective of the communities we serve; promotes respect and a shared purpose; and aligns with our core values.</p> <p></p> <p>Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability, status as a protected veteran, or any other characteristic protected by law.</p></div></div></div>