Senior Portfolio Manager CBS

United Community Bank•Greenville, SC

5d•$68,287 - $113,209•Hybrid

About The Position

United Community is seeking a Senior Portfolio Manager, CBS to oversee and grow a portfolio of larger commercial credits. This role ensures portfolio soundness, profitability, and strategic growth while providing expert credit, underwriting, and sales support across Commercial Banking Solutions (CBS) segments. The Senior Portfolio Manager also serves as a secondary point of contact on client relationships, partnering closely with relationship managers to optimize portfolio performance and client outcomes.

Requirements

Bachelor’s Degree in finance and accounting preferred
7-10 years of experience in financial services related to various aspects of commercial lending
Possess extensive knowledge of credit policy, banking regulations, and loan documentation issues
Proven ability to spread, analyze, and interpret complex business and personal financial statements and tax returns
Strong analytical skills in prospecting individual and global relationships, clients, and prospects
Solid ability to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
Actively prepare and present credit analysis packages through the credit approval chain
Possess an extensive knowledge of various loan structures with ability to apply this knowledge to formulate sound credit recommendations
Excellent verbal and written communication skills; ability to understand and convey complex information clearly and efficiently to varied audiences, including senior executives
Excellent interpersonal and management skills; develop and maintain cohesive working relationships
Strong organizational and time management skills, effectively set priorities in a performance-driven environment
Fully understand and work effectively within the credit culture of the company; ability to promote credit culture within the team
Advanced proficiency with internal systems and reporting
Excellent mathematical, reading comprehension, and writing skills
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.

Responsibilities

Works with CBS verticals including, but not limited to, Middle Market, Home/Condo Owner Associations (HOA/COA), Franchise, and related CBS lenders to manage all aspects of the loan portfolio including annual reviews, past dues, BBRs, covenant compliance, CARs, collateral exceptions, and other portfolio management tools
Works in concert with the Chief Commercial Banking Officer, MM/HOA/Franchise Team Leaders, and Regional Credit Officer to ensure proper risk profile of subject market loan portfolio
Triage and manage workflow with Portfolio Specialists in preparation of LARs, credit memos, spread, and related documents
Actively participates and assists in all aspects of the loan process including calling, underwriting, presenting through the credit approval chain, and closing
Identifies and collects all relevant information required to analyze credit requests
Prepares commitment letters and reviews loan documents
Serves as secondary contact on client relationships
Identifies cross-sell opportunities with new and existing clients; coaches and supports team on developing relational business acumen
Proactively assists commercial banking relationship managers in prospecting efforts, make calls with the CBRM when necessary
Other duties as assigned