State Portfolio Manager

United Community Bank • Raleigh, NC

1d • $84,136 - $139,486 • Onsite

About The Position

The State Portfolio Manager (SPM) will be responsible for coaching, mentoring, and managing a team of Commercial Portfolio Managers whose primary goal is to protect and grow the Bank's assets at the State level through proactive account management. SPM will also be instrumental in assisting the State President to achieve consistency and transparency across various underwriting processes. The SPM will be a strategic partner with the Commercial Credit Administration (CCA) in ensuring consistent execution of loan policy, process, structure, and procedure for initial underwriting as well as for ongoing portfolio management. SPM may be asked to participate in any special projects on as needed basis.

Requirements

• Bachelor’s degree in accounting, finance, or related discipline required, Master’s degree preferred
• 10+ years’ experience in commercial credit underwriting and portfolio management. Working knowledge of underwriting specialized lines of businesses included CRE, Middle Market, ABL and Not for Profit lending is preferred.
• 5+ years management/leadership experience
• Knowledge and understanding of credit policy, risk analysis and loan documentation
• Knowledge and understanding of financial analysis, statements and accounting concepts
• Working knowledge of federal and state banking regulations
• Excellent verbal, written and interpersonal communication skills
• Ability to interact with all levels of the organization
• Proficient in MS Office Suite, including Outlook, Word, and Excel
• Demonstrate strong organization and time management skills and the ability to balance competing priorities to meet multiple deadlines.
• Strong analytical skills with high attention to detail and accuracy
• Must be able to pass a criminal background & credit check

Nice To Haves

• Master’s degree preferred
• Working knowledge of underwriting specialized lines of businesses included CRE, Middle Market, ABL and Not for Profit lending is preferred.

Responsibilities

• Provide state‑level leadership over underwriting and portfolio management, partnering closely with Sales throughout the full deal lifecycle.
• Oversee credit analysis, risk ratings, deal structures, and ongoing portfolio monitoring to ensure strong credit quality within the Bank’s risk appetite.
• Champion the Deal Team model, aligning Underwriters, Commercial Relationship Managers, and Loan Officer Assistants to drive consistency and an enhanced client experience.
• Manage workflow, cycle time, and resource allocation statewide to balance quality, efficiency, and speed to market.
• Drive accountability and performance through coaching, quality scorecards, and collaboration with key partners on talent development and evaluations.
• Partner with the State President, Regional Credit Manager, and internal stakeholders to achieve portfolio growth, profitability, and enterprise objectives.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager