Portfolio Manager

United Bank•Charleston, WV

About The Position

The Portfolio Manager takes primary responsibility for underwriting, portfolio administration, and the credit quality of an assigned portfolio, partnering with lenders and other stakeholders within the Bank and externally. The role supports commercial lending through underwriting, credit structuring, risk assessment, and preparation of complete, accurate, and properly documented credit request packages. It also partners with commercial lenders and other team members to grow fees, deposits, and portfolio revenue by presenting financial solutions to customers. The Portfolio Manager manages the full loan request cycle, from preliminary evaluation and maintaining client information in the commercial database through financial and market analysis and preparation of a recommended term sheet. The position supports market production goals, participates in sales calls and business development activities, oversees loan renewals and tracking, monitors documentation and financial statement exceptions, and manages activity related to delinquent accounts. It also serves as a liaison among Bank departments, customers, attorneys, commercial lenders, and leadership, and may recommend improvements to lending policies and procedures.

Requirements

Bachelor’s degree in business, finance, or a related field, or equivalent experience.
At least three years of experience working in financial services.
Prior working experience with loan underwriting and credit training.
Ability to successfully complete system training within 90 days of hire.
Ability to analyze financial and project statements, as well as corporate and personal tax returns.
Understanding of basic loan structure processes and regulations associated with lending.
Strong understanding of loan documentation criteria.
Proficiency with Microsoft Office Suite, including Word, Excel, and PowerPoint.
Excellent interpersonal, customer relations, and sales skills.
Ability to be self-starting, well-organized, and detail-oriented.
Ability to work independently and in a fast-paced environment.
Travel within the local market may be required.

Nice To Haves

Exposure to commercial banking is highly desired.
Knowledge of United's services, products, policies, and procedures is a plus.
Excellent verbal and written communication skills in Spanish or an additional language are a plus.

Responsibilities

Support commercial lending through underwriting, policy knowledge, credit structuring, and risk assessment; ensure credit request packages are complete, accurate, and properly documented.
Work with commercial lenders, treasury management, and other team members to grow fees, deposits, and portfolio revenue by presenting financial solutions to customers.
Manage the full loan request process, including preliminary evaluations, maintaining client information in the commercial database, conducting financial and market analysis, and preparing recommended term sheets.
Contribute to market volume and production goals; accompany lenders on sales calls to support account details, relationship building, and product recommendations.
Serve as a primary liaison with Bank departments, customers, attorneys, commercial lenders, and leadership.
Identify and recommend changes or enhancements to lending policies and procedures to better serve community and market needs.
Collaborate with lenders to identify loan concerns and manage maturing loans.
Oversee loan renewals, document ticklers, and covenant tracking.
Monitor loan documentation and financial statement exception reports and follow up to resolve exceptions promptly.
Troubleshoot, report, and manage activity on delinquent accounts at various intervals.
Generate and provide requested reports on the team's loan portfolio.
Participate in team sales calls and attend external events and market activities in a business development role.