Senior Portfolio Manager

United Community Bank

SBA Senior Portfolio Manager ensuring portfolio soundness and growth objectives for SBA function. Analyzing credit opportunities and managing loan renewals with clients within UCB's footprint.

Posted 5/13/2026full-timeRemote • Idaho • 🇺🇸 United StatesSenior💰 $88,074 - $102,418 per yearWebsite

About the role

Key responsibilities & impact

Responsible for ensuring the portfolio achieves soundness, probability, and growth objectives.
Provides portfolio management, credit, underwriting, and sales support for the SBA function.
Identifies, quantifies and mitigates underwriting risks inherent in an SBA lending function.
Responsible for analysis of new SBA credit opportunities, underwrite and collect client financial information.
Must be able to review loan documents, spread, analyze, and interpret businesses and financial statements.
Must be able to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks.
Must prepare and be able to present credit analysis packages through the credit approval chain with limited supervision.
Serve as secondary contact on client relationships for loan within the UCB branch footprint.
Evaluate and decision loan renewal requests for SBA Express Lines of Credit.
Actively manage past dues to minimize late payments.
Mentors SBA Servicing Portfolio Specialists and other Servicing team members.
Review portfolio loans approaching maturity and works with clients and/or bankers to get the necessary data in order to make an informed renewal decision.
Manage the loan portfolio for red flags and early warning signals of potential problem loans.
Work directly with clients and/or with UCB bankers or Special Assets Officers to devise an appropriate plan of action if/when the SBA loan is downgraded.
Assist with completing the initial CAR in preparation for the loan to transition to the Special Assets Department.
Complete an annual review on all borrowing relationships within the portfolios as outlined in the SBA Loan Monitoring procedures.
Complete any special project work.
Other duties as assigned.

Requirements

What you’ll need

BS or BA degree
7 – 10 years of solid experience in financial analysis, loan structuring, analytical skills with problem solving abilities, underwriting and portfolio management preferred
3 – 5 years of experience in SBA lending administration
Ability to assume responsibility and maintain accountability for decision making
Ability to make sound loan decisions in a timely manner
Must be very organized, detailed-oriented, and proactive with excellent time management skills and the ability to multi-task
Ability to spread and analyze business and personal financial statements and cash flow, gather relevant information, and make appropriate recommendations utilizing Moody’s or Baker Hill software
Identify strengths, weaknesses, and mitigating factors for each servicing request
Extensive knowledge of SBA loan programs and corresponding SOP’s and credit related regulations
Strong interpersonal skills facilitating maximization of working relationships with customers, SBA team members and UCB bankers
Strong organizational and communication skills (verbal and written). Must be able to write clearly and effectively, and be able to communicate one-on-one and in groups
Proficient computer skills including knowledge of 360 View, Navigator, Director, nCino and Statement Analyzer
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.

Benefits

Comp & perks

Equal Opportunity Employer

ATS Keywords

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Hard Skills & Tools

financial analysisloan structuringunderwritingportfolio managementcredit analysisrisk mitigationcash flow analysisSBA lending administrationdecision makingloan renewal evaluation

Soft Skills

organizational skillsdetail-orientedproactivetime managementmulti-taskinginterpersonal skillscommunication skillsproblem solvingmentoringrelationship management

Certifications

BS degreeBA degreecompliance trainingBank Secrecy Act traininganti-money laundering training