Commercial RE Portfolio Specialist

United Community Bank•Greenville, SC

6d•$115,000 - $130,333•Onsite

About The Position

A Commercial RE Portfolio Specialist provides credit administration and underwriting support while serving as the secondary contact on all managed relationships. The Portfolio Specialist is responsible for a wide range of duties including, but not limited to, managing all aspects of the loan portfolio, participating in the loan process, serving as a secondary contact on client relationships, reviewing loan documents, analyzing financial statements, identifying and mitigating risks, preparing credit analysis packages, and researching companies and industries.

Requirements

Proficient knowledge of credit policy and loan documentation issues
Knowledge of various loan structures and ability to apply this knowledge in the formulation of sound credit recommendations
Excellent verbal and written communication skills
Ability to write clearly, concisely and efficiently
Understand and work effectively within the credit culture of the company
Ability to allocate time effectively and prioritize work to meet timelines
Experience spreading financial statements utilizing Moody’s or Baker Hill
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.
Must be able to pass a criminal background & credit check.

Nice To Haves

4-year business degree with concentration in finance and/or accounting preferred
5-7 years of work experience in credit analysis and underwriting preferred
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
Spread, analyze, and interpret businesses and financial statements
Identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
Prepare and present credit analysis packages through the credit approval chain with limited supervision
Make calls on companies, sponsors and investment bankers with senior bankers
Serve 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.
Other duties as assigned