Senior Portfolio Manager

Job not on LinkedIn

🕒 May 13

🥔 Idaho – Remote

🥔 Idaho – Remote

💵 $88.1k - $102.4k / year

⏰ Full Time

🟠 Senior

👔 Manager

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United Community Bank

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 1954

🏦 Banking

💸 Finance

Banking • Finance

United Community Bank is a FDIC-insured regional bank offering personal and business banking services including checking and savings accounts, credit cards, loans, mortgages, certificates of deposit (CDs & IRAs), online and mobile banking, and Interactive Teller Machines. The bank emphasizes community engagement, local branch services, and customer-focused products such as kids' savings accounts and reward checking, while providing digital tools like mobile apps and online enrollment.

📋 Description

• Responsible for ensuring the portfolio achieves soundness, probability, and growth objectives. • Provides portfolio management, credit, underwriting, and sales support for the SBA function. • Identifies, quantifies and mitigates underwriting risks inherent in an SBA lending function. • Responsible for analysis of new SBA credit opportunities, underwrite and collect client financial information. • Must be able to review loan documents, spread, analyze, and interpret businesses and financial statements. • 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. • Serve as secondary contact on client relationships for loan within the UCB branch footprint. • Evaluate and decision loan renewal requests for SBA Express Lines of Credit. • Actively manage past dues to minimize late payments. • Mentors SBA Servicing Portfolio Specialists and other Servicing team members. • Review portfolio loans approaching maturity and works with clients and/or bankers to get the necessary data in order to make an informed renewal decision. • Manage the loan portfolio for red flags and early warning signals of potential problem loans. • Work directly with clients and/or with UCB bankers or Special Assets Officers to devise an appropriate plan of action if/when the SBA loan is downgraded. • Assist with completing the initial CAR in preparation for the loan to transition to the Special Assets Department. • Complete an annual review on all borrowing relationships within the portfolios as outlined in the SBA Loan Monitoring procedures. • Complete any special project work. • Other duties as assigned.

🎯 Requirements

• BS or BA degree • 7 – 10 years of solid experience in financial analysis, loan structuring, analytical skills with problem solving abilities, underwriting and portfolio management preferred • 3 – 5 years of experience in SBA lending administration • Ability to assume responsibility and maintain accountability for decision making • Ability to make sound loan decisions in a timely manner • Must be very organized, detailed-oriented, and proactive with excellent time management skills and the ability to multi-task • Ability to spread and analyze business and personal financial statements and cash flow, gather relevant information, and make appropriate recommendations utilizing Moody’s or Baker Hill software • Identify strengths, weaknesses, and mitigating factors for each servicing request • Extensive knowledge of SBA loan programs and corresponding SOP’s and credit related regulations • Strong interpersonal skills facilitating maximization of working relationships with customers, SBA team members and UCB bankers • Strong organizational and communication skills (verbal and written). Must be able to write clearly and effectively, and be able to communicate one-on-one and in groups • Proficient computer skills including knowledge of 360 View, Navigator, Director, nCino and Statement Analyzer • 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.

🏖️ Benefits

• Equal Opportunity Employer