Atlantic Union Bank

Financial Planning and Analysis

• Assist EF Documentation Specialists II & III with the transactions after they are closed/funded
• Insurance follow-up
• Title follow-up
• Record, review and terminate UCC-1 and UCC-3 filings and Data Entry
• Create/Maintain files for completed packages
• Prepare post-closing loan packages to include maintaining files and clearing exceptions and post-funding items
• Image or file recorded titles and ELT’s
• Assist with ordering, reviewing and updating UCC Lien Searches, determining when releases/disclaimers of interest are required for a transaction
• Handle releases of Liens/Titles
• Adhere to all applicable laws and regulations governing bank operations
• Sorting and filing received documentation
• Copying and scanning documentation
• Preparing Loan Documentation packages

Equipment Finance Documentation Specialist I

• The Equipment Finance Regional Director is responsible for marketing a range of both equipment finance lending and leasing products to medium and large commercial clients within assigned territory.
• The Regional Director is results driven and capable of working independently to identify prospects in their territory and maintain a sustained calling strategy.
• The Regional Director understands and incorporates AUEF’s target market criteria (credit profile, pricing, and structuring) in their strategy.
• This role involves a strong understanding of the sales process, credit analysis and excel at generating leads, and closing deals.
• The Regional Director will also work with Middle Market Relationship Managers and Treasury Management Officers to market other commercial bank products and services.
• Works closely with internal partners to facilitate the development of new business relationships as well as develop prospects.
• Responsible for retaining and expanding existing customer relationships.
• Develops and maintains high quality relationships, with an emphasis on companies with revenues greater than $15 million, while working with RMs and TMOs to obtain deposits and cross-selling other Bank products and services.
• Prepare correspondence, proposal and commitment letters, credit submittals and documentation requests as required.
• Expands existing knowledge base of equipment finance and other commercial banking products and services, including loan policy, documentation, structuring and regulatory requirements.
• Ensures the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure and business strategy as well as commercial and regulatory guidelines.
• Identifies and successfully capitalizes on cross-sell opportunities and makes appropriate referrals.
• Executes a call program to develop new and existing customer relationships and to identify potential customers and develop prospect lists.
• Maintains pipeline of existing relationships and new prospects.
• Assists in mentoring teammates, to include prospecting/calling, credit analysis, financial spreading and underwriting.
• Ensures that al work is in compliance with applicable policies, procedures, laws, regulations and guidelines.

Equipment Finance Regional Director

Systems Engineer

• Serve as the primary systems manager for a designated set of platforms.
• Responsible for handling needs assessments and cost/benefit analysis to align the technology of the company with their business strategies.
• Receive business needs from internal stakeholders, solicit product and enhancement requirements from end users
• Translate business requirements into technical requirements to guide the implementation of new features, systems, and enhancements and upgrades
• Work with vendors to ensure the system solution satisfies the business requirements
• Meet with decision makers, systems owners, and end users to help identify business, financial, and operations requirements and systems goals
• Act as technical focal point for the business in the presentation of the new system/application
• Assist with design sessions in prototyping new system or functionality for the purpose of enhancing business processes, operations, and information process flow
• Develop and maintain design documentation (data flow diagrams, workflows)
• Provide systems analysis expertise focusing on gap identification
• Improve systems and operational workflows by studying current practices and designing modifications/enhancements
• Help review and analyze the effectiveness and efficiency of existing systems and develop strategies for improving or leveraging these systems

Business Systems Analyst I

• Responsible for providing independent perspective in underwriting and managing complex Wholesale Banking loans and relationships
• Partner with Relationship Managers, Credit Officers, Credit Portfolio Managers, and Team Leader in delivering credit solutions
• Lead client calls for in-depth financial questions and portfolio management
• Indpendently underwrite new and renewal opportunities
• Perform in-depth analysis of financial statements, management competencies, and competitive dynamics
• Prepare financial projections
• Make recommendations regarding credit amount and policy compliance
• Manage assigned portfolio by monitoring performance and trends
• Prioritize new deal and renewal requirements
• Exhibit willingness to lead special projects
• Adhere to bank operations laws and regulations

Credit Portfolio Manager IV – Equipment Finance

Manager

• Responsible for providing an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the bank’s legal lending limit
• Partner with Relationship Managers and the Credit Portfolio Management Team Leader in delivering credit solutions
• Lead the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio
• Provide in-depth, independent analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support
• Prepare detailed short or long-term financial projections
• Make recommendations to Relationship Managers and Credit Approvers
• Manage assigned portfolio by proactively monitoring performance and trends
• Participate or lead client calls with Relationship Manager for in-depth financial questions
• Participate in special projects to aid with the continuous improvement of portfolio management
• Adhere to all applicable laws and regulations governing bank operations

Credit Portfolio Manager III

Account Manager

• Assumes the overall responsibility, development and management of their borrowing and non-borrowing portfolio and underwrites, originates and effectively manages a portfolio of loans generally secured by commercial and/or residential real estate collateral.
• Provides advice and guidance on policies and manages larger and more complex loan relationships as well as more complex lending structures.
• Participates in the development of new business by acquiring, retaining and expanding client relationships and may assist other lenders with underwriting of commercial real estate loans.
• Responsible for growing a high-quality portfolio of real estate loans and associated deposits within designated market area
• Develop and maintain a quality loan portfolio
• Maximize bank profitability through appropriate pricing of new loan originations, fee income, and cross selling of all bank products & services, including deposits and Treasury Services products
• Pre-screen potential new loans with credit officer to determine appropriate structure
• Prepare loan approval packages for approval and facilitate through process
• Monitor loan portfolio and maintain updated financial information
• Manage the bank’s complex commercial real estate loan relationships
• Responsible for making business development calls and contributing to overall Bank objectives of quality new loan and deposit growth
• Sell and cross-sell deposits and other bank products such as Treasury services in a profitable manner
• Make recommendations to management on procedural improvements
• Assist other Relationship Managers as needed with customer requests and serves as a source for real estate lending knowledge
• Assist in mentoring teammates, to include credit analysis, financial spread sheet preparation and underwriting
• Maintain pipeline of existing relationships and new prospects
• Ensure that own work is in compliance with applicable policies, procedures, laws, regulations and guidelines
• Participate in community and business functions/groups to ensure a positive image for the bank within the region’s marketplace.
• Establishes referral contacts and Centers of Influence (COI) within the community
• Regularly corresponds with Senior Credit Officer(s); Loan Review Department; attorneys, loan support and loan processing areas
• Seek out largest and most complex CRE customers.

Commercial Real Estate Relationship Manager – IV

Compliance

• The Compliance LOB Advisor shall be responsible for assessing regulatory risk within bank operations including deposit/lending functions, conducting regulatory reviews, and consulting with business units to ensure they develop and maintain adequate controls to address the risk appropriately while complying with applicable state and federal regulations and company policies.
• Engage as Compliance primary point of contact to 1LOD line of business unit, offering advice and guidance on the identification and remediation of regulatory risks and to serve as a credible effective challenge to the 1LOD.
• Perform consumer compliance reviews to assess performance, risks, internal controls and adherence to regulatory requirements specific to any area of the organization.
• Interpret, perform and provide research on compliance and regulatory questions impacting the bank's operations and performance.
• Identify risks, root cause, control weaknesses or gaps through regulatory reviews and work with management to correct deficiencies.
• Report results of reviews and feedback to management and business owners and recommend strategies to improve performance.
• Review, update and create (when necessary) relevant policies and procedures to ensure Compliance oversight for supported 1LOD areas.
• Provide Compliance oversight and participate in the development and implementation of new products, processes and initiatives within the 1LOD.
• Participate in the development and review of marketing campaigns and materials to ensure compliance and associated risks with advertising are addressed.
• Escalate and report any potential violations of law or regulations to 1LOD Management and the Compliance Manager.
• Work with Compliance Manager to maintain, enforce, and strengthen Atlantic Union's Compliance Program.
• Engage with other Compliance teammates and Enterprise Risk Teammates to ensure complete risk identification and remediation plans.
• Stay abreast of changes to federal and state banking laws and regulations affecting product offerings and areas of operations at Atlantic Union; inform management of impacts of changes.
• Assist with research, dissemination and implementation of new and updated regulatory requirements.
• Adhere to all applicable laws and regulations governing bank functions, including compliance with Atlantic Union Compliance Program and associated policies and procedures.
• Assist with development, review, publishing and delivery of compliance related training materials.
• Obtain necessary training to keep current on regulatory compliance and bank functions.
• Assist Compliance Manager with coordination and preparation for Regulatory exam; working with examiners as needed.
• Assist with addressing consumer complaints received from regulatory agencies. Performs other duties as assigned.

Compliance Advisor – Consumer Deposits

Operations

• Supports customers’ loan servicing needs
• Responds to inquiries relating to loan products
• Adheres to all applicable laws and regulations in bank operations
• Performs advanced loan maintenance and code corrections
• Provides recommendations on areas of opportunities
• Participates in the year-end regulatory tax reporting.

Loan Operations Associate III – Centralized Funding

• The Compliance LOB Advisor shall be responsible for assessing regulatory risk within the AUB Lines of Business (“LOBs”) which includes advising LOBs on deposit product & services compliance risks, managing and performing compliance risk assessments, and consulting with business units to ensure they develop/maintain adequate controls to mitigate the risk appropriately and complying with applicable state and federal laws/regulations.
• Engage as Compliance primary point of contact to 1LOD line of business unit, offering advice and guidance on the identification and remediation of regulatory risks and to serve as a credible effective challenge to the 1LOD.
• Schedule, manage, and perform compliance reviews to assess performance, risks, internal controls and adherence to regulatory requirements for supported LOBs.
• Interpret, perform, and provide research on compliance and regulatory questions impacting the bank's operations and performance.
• Identify risks, root cause, control weaknesses or gaps through compliance risk assessments and work with LOB management to correct deficiencies.
• Effectively communicate results of compliance risk assessments and related recommendations to 1LOD and 2LOD leadership.
• Review, update and create (when necessary) relevant compliance owned policies and procedures to ensure appropriate Compliance oversight for supported LOBs.
• Provide Compliance oversight of supported LOBs and participate in the development and implementation of new products, processes and initiatives within the 1LOD.
• Participate in the development and review of marketing campaigns and materials to ensure compliance and associated risks with advertising are addressed.
• Escalate and report any potential violations of law or regulations to 2LOD leadership.
• Work with Compliance Manager to maintain, enforce, and strengthen Atlantic Union's Compliance Program.
• Engage with other Compliance teammates and Enterprise Risk Teammates to ensure complete risk identification and remediation plans.
• Stay abreast of changes to federal and state banking laws and regulations affecting product offerings and areas of operations at Atlantic Union; inform management of impacts of changes.
• Assist with research, dissemination and implementation of new and updated regulatory requirements.
• Adhere to all applicable laws and regulations governing bank functions, including compliance with Atlantic Union Compliance Program and associated policies and procedures.
• Assist with development, review, publishing and delivery of compliance related training materials.
• Obtain necessary training to keep current on regulatory compliance and bank functions.
• Assist Compliance Manager with coordination and preparation for Regulatory exam; support 1LOD in meeting deliverables for audits and exams with compliance impacts.
• Review and assess complaints received for supported LOBs.
• Manage/supervise compliance advisory staff.
• Perform oversight review of testing plans, SLAs, and result memos for assigned LOBs for accuracy and completeness.
• Coordinate advisory input to compliance committee materials.
• Performs other duties as assigned.

Compliance LOB Advisor – Consumer Deposits

• Assume overall responsibility for development and management of borrowing and non-borrowing portfolio
• Market a range of products and services to medium and large commercial clients
• Manage and develop a portfolio of complex commercial relationships
• Expand existing knowledge base of commercial products and services
• Identify and successfully capitalize on cross-sell opportunities
• Maintain pipeline of existing relationships and new prospects

C&I Relationship Manager IV

• The Wealth Relationship Manager is the primary wealth advisor within the Wealth Consulting Group.
• Responsible for building and maintaining client relationships with the groups targeted clients.
• Interacts and teams with commercial team leads and relationship managers to deliver the entire suite of wealth management services to select clientele.
• Solicits new clients to meet and exceed sales goals through prospecting efforts and networking activities.
• Develops and maintains relationships with current clients by maintaining regular contact, understanding their needs and offering solutions.
• Promotes interest in wealth management products and services using a highly disciplined and defined, proprietary profiling process by Atlantic Union Wealth Management.
• Participates in community activities and organizations to enhance the visibility of the bank and encourage new business development.
• Manages client relationships to discover opportunities and provides appropriate financial products and services solutions to meet those needs.
• Develops comprehensive plans for clients and prospects.
• Maintains solid to superior knowledge of planning and be proficient in administering that for clients.
• Provides ongoing client relationship services, including the resolution of service issues while maintaining a high level of client satisfaction.
• Promotes and facilitates the introduction, sale and closing of appropriate products and services throughout AUB offerings.

Wealth Relationship Manager – Hybrid

• Develop and manage borrowing and non-borrowing portfolio for government contracting relationships
• Market a range of products and services to government contracting clients
• Handle moderately complex loan origination and servicing
• Ensure retention and growth of client relationships
• Prepare relevant documentation and monitor loan portfolio
• Work closely with internal partners for new business development
• Maintain financial information on borrowers and ensure compliance with credit policies

Commercial Relationship Manager II – Government Contracting

Collections

• Responsible for collection services on delinquent and bankrupt accounts
• Contact customers regarding delinquent accounts and payments
• Receive and service inbound collection calls
• Review loan payment history
• Utilize established programs to assist Bank customers in bringing their accounts current
• Maintain confidentiality of the Bank’s customers’ personal and financial information
• Contact credit bureaus for customer reports and update addresses as necessary
• Work with other Special Assets teams and departments as needed to ensure payments are properly credited or applied to customer accounts
• Order liquidations, foreclosures, and repossessions when necessary
• Conducts skip-tracing research
• Prepare DMV applications for repossession & duplicate titles
• Perform other duties as assigned by management

Collections Representative I

• The C&I Relationship Manager IV assumes the overall responsibility, development and management of their borrowing and non-borrowing portfolio
• The Relationship Manager is responsible for marketing a range of products and services to medium and large commercial clients and services and originates most challenging and complex C & I loans
• Manages and develops a portfolio of complex commercial relationships and ensures retention of total client assets, credit quality and net growth in relationships
• The Relationship Manager will play a vital role in the growth and development of the commercial banking portfolio and market share
• Primary focus will be to profile and sell/cross-sell commercial products to our existing client base, as well as prospects
• Work closely with internal partners to facilitate the development of new business relationships as well as develop prospects through lead lists and Centers of Influence (COI)
• Responsible for retaining and expanding existing customer relationships
• Develop and maintain a quality loan portfolio with an emphasis on companies with revenues between $20 - $150 million, obtaining deposits and cross-selling other Bank products and services along with building strong customer relationships
• Prepare correspondence, commitment letters, loan memorandums and associated documents as required
• Monitor loan portfolio and maintain updated financial information
• Expand existing knowledge base of commercial and other products and services, including loan policy, documentation, structuring and regulatory requirements
• Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure and business strategy as well as commercial and regulatory guidelines
• Identify and successfully capitalize on cross-sell opportunities and makes appropriate referrals
• Execute a call program to acquire, retain and expand existing customer relationships
• Maintain pipeline of existing relationships and new prospects
• Collect and maintain financial information on borrowers and interact with customers to ensure that all banking needs are being met
• Assist in mentoring teammates, to include credit analysis, financial spreading and underwriting
• Provide financial advice to customers and profitably sell appropriate products and services to those prospects and clients
• Work with Treasury staff to solicit treasury services and deposit accounts
• Ensure that own work is in compliance with applicable policies, procedures, laws, regulations and guidelines