Commercial RE Portfolio Specialist

United Community Bank•Greenville, SC

2d•$60,466 - $93,119•Onsite

About The Position

The Commercial Real Estate Portfolio Specialist provides credit administration and underwriting support for a portfolio of commercial real estate relationships. This role partners closely with Relationship Managers and Credit Leadership and serves as the secondary point of contact for assigned client relationships. The ideal candidate brings strong credit judgment, financial analysis skills, and the ability to manage multiple priorities in a regulated banking environment.

Requirements

4-year business degree with concentration in finance and/or accounting preferred
5-7 years of work experience in credit analysis and underwriting preferred
Must possess a proficient knowledge of credit policy and loan documentation issues
Must possess a knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations
Must have excellent verbal and written communication skills
Must be able to write clearly, concisely and efficiently
Must understand and work effectively within the credit culture of the company
Must allocate time effectively and prioritize work to meet timelines
Must have experience spreading financial statements utilizing Moody’s or Baker Hill
Must be able to pass a criminal background & credit check

Nice To Haves

Experience as a lender/relationship manager preferred

Responsibilities

Work with corporate banking RMs to manage all aspects of the loan portfolio including annual reviews, past dues, borrowing base monitoring, covenant compliance, CARs, collateral exceptions, and other portfolio management activities
Actively participate and assist in all aspects of the loan process including joint calling, underwriting and preparation of credit approval packages
Serve as secondary contact on client relationships
Review loan documents
Must be able to 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
Will make calls on companies, sponsors and investment bankers with senior bankers
Serves as the initial deal screen to determine loan viability –
Research company and industry
Prepare credit analysis packages
Make preliminary recommendations
Interact with senior executives in senior credit committee
Communicate with corporate borrowers to obtain pertinent information for rendering recommendations
Address compliance issues with management and customers; evaluate and recommend changes to covenants, pricing, credit agreement terms, etc.
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.