United Community Bank

Business Development Rep

• Generate new SBA loan business through prospecting, outside calling, networking, attending conferences, and developing new referral sources within the healthcare industry.
• Originate and fund SBA 7(a) loans nationwide, with a primary focus on healthcare-related businesses.
• Maintain and apply a thorough understanding of the bank’s credit policy, SBA eligibility requirements, and necessary business practices to ensure accurate and complete loan application packages.
• Achieve 100% of established annual production goals by year-end, as determined at or near the beginning of each year.
• Generate loans that maintain an acceptable level of credit performance.
• Assist Special Assets and Credit Services with servicing actions as requested within the assigned marketing area.
• Participate in all required compliance training, including Bank Secrecy Act and anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars or conferences.
• Perform other duties as assigned.

Healthcare Business Development Officer I

Operations

• Analyze approved credit requests to pinpoint required pre-close conditions and due diligence needs
• Order and review essential due diligence items such as Title Commitments, UCC searches, Flood determinations, Proof of insurance, Surveys, Entity documents, Real estate appraisals, Environmental Assessments, Good Standing Certificates, and Beneficial Ownership
• Ensure all due diligence items are received and reviewed for accurate loan document creation and lien perfection
• Submit loan details to the internal Doc Prep team for closing documentation
• Engage with approved attorneys to prepare and/or close loan documents
• Coordinate closing dates and times with all relevant parties, including attorneys, title companies, customers, CRM, and LOA
• Review draft closing documents and settlement statements for accuracy, ensuring they align with loan approval
• Provide final approval for closing once all conditions and due diligence requirements are satisfied
• Verify executed documents for complete and accurate signatures, then forward to Loan Servicing for booking
• Ensure all supporting documentation is properly loaded to CreditLens and/or submitted for imaging
• Assist with initial loan disbursement at closing, acting as the second required signature
• Deliver exceptional service to internal and external clients with urgency and a positive attitude

Loan Operations Commercial Loan Closer

• Review approved credit request to identify required pre-close conditions and due diligence requirements
• Order and/or review required due diligence requirements including, but not limited to, the following: Title Commitments / Title Searches, UCC searches, Flood determinations, Proof of adequate and acceptable insurance, Surveys, Entity documents, Evaluation or real estate appraisal, Environmental Questionnaire or Assessment, Good Standing Certificates, Beneficial Ownership
• Monitor and confirm receipt of all due diligence items and review to confirm loans documents can be created accurately and the Bank’s lien can be perfected.
• Responsible for due diligence and closing activities on commercial loans and ensuring tasks are executed in compliance with Bank policy, regulatory law, interbank Service Level Agreements and investor guidelines when applicable.
• Submit loan to internal Doc Prep team to request preparation of loan closing documentation.
• Engage approved attorney, representing the bank, to prepare loan closing document and/or close loan when applicable.
• Coordinate effort to establish a closing date and time with all parties concerned including attorneys, title companies, customer, CRM, and LOA.
• Review draft closing documents and closing / settlement statement for accuracy and confirm agreement with loan approval.
• Facilitate corrections as needed.
• Ensure all due diligence information is properly documented
• Provide “Clear to Close” upon confirmation that all approval conditions and due diligence requirements have been satisfied.
• Takes appropriate action to resolve deficiencies and escalate when necessary.
• Review executed documents for accurate and complete signatures and forward to Loan Servicing for booking
• Confirm all supporting documentation related to the deal is loaded to CreditLens and /or submitted for imaging to Director
• Assist with initial loan disbursement that occurs at time of closing; acting as second required signature
• Coach, mentor and perform disciplinary action as required for direct reports.
• Proactively identify problems, opportunities, and operational changes that require communication and coordinate with other CLCTL and Commercial Loan Closing Manager as needed
• Continually monitor performance and effectiveness of team in alignment with departmental goals
• Adhere to Corporate and Loan Operations policies and procedures as prescribed.
• Exemplify behaviors in alignment with the bank’s vision, mission, and culture; exhibit professionalism at all times.
• Provide world-class service to internal and external clients with a sense of urgency and positive attitude.

Loan Operations Commercial Loan Closer – Team Lead

Manager

• Design, construct, and manage client investment portfolios in line with clients’ financial goals.
• Execute trades and rebalance portfolios to maintain optimal asset allocation.
• Complete investment and client reviews annually or as required.
• Communicate with clients to understand their financial objectives and explain investment strategies and performance.
• Monitor investment performance of portfolios and adjust as necessary.
• Ensure compliance with the relevant regulations and company’s standards.
• Collaborate with the investment team and other internal partners to enhance the client experience.
• Monitor and analyze financial markets, trends, and economic indicators.
• Continually build a network of internal and external sources to acquire new client relationships.
• Stay informed on legal and regulatory changes affecting investment management.
• Drive business results and acquire new assets, both from existing client base and new client acquisition.
• Actively participate in community activities and events with purpose of visibility in the community and prospects.

Wealth Management Portfolio Manager

• Analyze approved credit requests to pinpoint required pre-close conditions and due diligence needs.
• Order and review essential due diligence items such as Title Commitments, UCC searches, Flood determinations, Proof of insurance, Surveys, Entity documents, Real estate appraisals, Environmental Assessments, Good Standing Certificates, and Beneficial Ownership.
• Ensure all due diligence items are received and reviewed for accurate loan document creation and lien perfection.
• Submit loan details to the internal Doc Prep team for closing documentation.
• Engage with approved attorneys to prepare and/or close loan documents.
• Coordinate closing dates and times with all relevant parties, including attorneys, title companies, customers, CRM, and LOA.
• Review draft closing documents and settlement statements for accuracy, ensuring they align with loan approval.
• Provide final approval for closing once all conditions and due diligence requirements are satisfied.
• Verify executed documents for complete and accurate signatures, then forward to Loan Servicing for booking.
• Ensure all supporting documentation is properly loaded to CreditLens and/or submitted for imaging.
• Assist with initial loan disbursement at closing, acting as the second required signature.
• Deliver exceptional service to internal and external clients with urgency and a positive attitude.

Commercial Loan Closer

• Assist the Branch Manager with overall branch operations
• Operate a Teller window during peak times or staffing shortages
• Compile monthly reports on Teller Transactions and Over/Short reports
• Conduct interviews and complete loan applications for consumer and small business loans
• Stay updated on training and regulations related to lending, deposits, and branch operations
• Generate new relationships and accounts, actively cross-selling bank products and services
• Update and monitor sales activities using 360 View
• Maintain and enforce security policies and procedures
• Help achieve branch sales, deposit, and loan growth targets
• Motivate, train, and coach employees to meet branch goals
• Assist with work schedules, performance reviews, and disciplinary actions
• Represent the financial institution in community activities and business development
• Ensure compliance with NMLS registration and renewal requirements, including fingerprinting and background checks

Assistant Branch Manager

• Monitor all manners of receipt of information regarding the filing of bankruptcy cases related to bank customers including but not limited to, AACER or paper delivery; triage new matters for determining next steps and accurately report new matters; collaborate with internal counsel on case issues and/or engage outside counsel when necessary; support the timely movement of cases to resolution.
• Execute daily reconciliation of all financial transactions within the bankruptcy portfolio, including post-petition payments, fees, and escrow accounts. Document all actions to support internal and external audits.
• Serve as a primary point of contact for external legal counsel, trustees and customers on case-specific inquiries, ensuring prompt delivery of required loan documentation and timely followup to maintain efficient workflow and compliance.
• Ensure communications are professional, empathetic, and strictly compliant with the Automatic Stay provisions, FDCPA and internal bank policy.
• Internally, provide accurate data and reports as requested for reporting current state bankruptcy metrics to senior management and others.
• Attend key meetings within Collections, Special Assets and Loss Mitigation (and others as requested) for the purpose of providing relevant information as to current bankruptcy matters.
• Accurately and timely input and update critical bankruptcy information (e.g., case number, filing date, plan status, attorney information) into all applicable bank systems to ensure bank records reflect the current legal status of all impacted accounts.
• Actively adhere to all departmental policies and procedures, identify potential workflow bottlenecks or process gaps, and recommend solutions to internal bank counsel to improve efficiency, accuracy, and compliance controls.
• 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.

Bankruptcy Manager

Financial Planning and Analysis

• Build Relationships: Connect with clients to understand their financial needs and goals
• Provide Expert Advice: Guide clients on retirement planning, estate planning, asset allocation, and investment strategies
• Customize Financial Plans: Develop and implement tailored financial plans to help clients reach their objectives
• Monitor Portfolios: Regularly review and adjust clients' investment portfolios to ensure alignment with their goals
• Stay Informed: Keep up with industry trends and regulations to offer the most current advice

Financial Advisor

Account Manager

• Develop and grow relationships. This includes making loans, obtaining deposit integrating cash management services, and offering other bank services.
• Actively monitor the financial health of the relationships you manage and be able to clearly communicate any changes or new opportunities to internal partners.
• Establish yourself in the market through exemplary customer service, creative thinking/idea sharing, and relentless networking
• Direct and supervise the entire loan closing process to ensure adherence to company loan policies and procedures
• Provide guidance to credit analysts and/or portfolio managers
• Take a balanced approach to quality, profitability, and growth
• Advocate for your clients within the context of United Community's credit standards and current economic conditions
• Network with clients to identify avenues for new business opportunities

Commercial Relationship Manager

Systems Engineer

• Participate in efforts to define needs, select solutions and implement technology or process initiatives that will enhance and improve Loan Operations’ efficiency, effectiveness and scalability.
• Lead operational efforts to test, and/or resolve issues related to systems and software.
• Serve as an internal consultant to leaders and teams at varying levels throughout the organization.
• Contribute to escalated problem resolution by giving in-person, hands-on support to end users when necessary.
• Collaborate with the leadership team to lead departmental efforts to identify small and mid-sized process or system improvements.
• Identify, prioritize and deliver continuous improvement efforts and ensure work aligns with strategic direction.
• Coordinate with Change Manager on training needs and/or Policy and Procedure Specialist on required process documentation changes or updates.
• 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.

Loan Operations Process and Systems Analyst

• Lead and manage the overall operations of the branch
• Mentor and develop branch staff to achieve sales and service goals
• Build strong customer relationships through exceptional service and community outreach
• Drive business developments efforts to grow the branch's customer base
• Ensure operational excellence and compliance with all banking regulations

Branch Manager

• Lead a high-performing fraud operations functions to protect customers and minimize fraud losses
• Establish and scale a customer and employee-facing fraud contact center
• Implement fraud triage and investigation processes and procedures
• Set performance expectations and monitoring frameworks
• Partner with Fraud Governance, Fraud Technology, and cross-functional business partners
• Provide coaching, performance management, and professional development for the team

Fraud Operations Manager

• Manage larger commercial credits to ensure portfolio soundness, profitability, and growth.
• Provide credit and sales support to Commercial Lending.
• Analyze complex financial statements and prepare credit analysis packages.
• Serve as a secondary contact on client relationships.
• Identify cross-sell opportunities with new and existing clients.
• Assist in the loan process, including underwriting and closing.
• Prepare commitment letters and review loan documents.
• Assist lenders in their prospecting efforts.

Portfolio Manager

Sales

• Establish production goals and strategy for Mortgage Loan Officers.
• Determine annual goals and reevaluating the goals monthly and quarterly.
• Driving sales productivity and profitability through closely working with Mortgage Loan Officers.
• Motivating and rewarding mortgage consultants through sales calls notating excellent performance results.
• Leading sales and product training in the region ensuring Mortgage Loan Officers are maintaining “best in class” customer service levels.
• Recruiting, training, and building a high-performance team and retaining top performers.
• Managing expenses, revenue generation, and profit and loss statement.
• Partnering with the Bank and Fulfillment/Operations to ensure goals are met.

Healthcare Business Development Officer I

Loan Operations Commercial Loan Closer

Loan Operations Commercial Loan Closer – Team Lead

Wealth Management Portfolio Manager

Commercial Loan Closer

Assistant Branch Manager

Bankruptcy Manager

Financial Advisor

Commercial Relationship Manager

Loan Operations Process and Systems Analyst

Branch Manager

Fraud Operations Manager

Portfolio Manager

Assistant Branch Manager

Mortgage Area Sales Manager