United Community Bank

Analyst

• Assist in the planning and execution of the term asset backed securitization program
• Assist in the planning and execution of warehouse lender facility
• Oversee the day-to-day funding process with warehouse lenders
• Assist in asset/liability management including interest rate hedging
• Maintain key working relationships with banking partners, rating agencies, external council and investors
• Prepare borrowing base and investor reports ensuring all reports, remittances and reconciliations are completed on time and in accordance with policies
• Monitor debt covenants, run tests to ensure compliance and proactively identify required changes resulting from changes to business needs
• Prepare financial analyses for management, investors, rating agencies and banks
• Manage due diligence efforts with banks, rating agencies and investors
• Coordinate and run static pool analysis and loss stress models
• Prepare investor decks and meet with current and prospective investors
• Manage lender audits
• Assist in the capital markets and asset sale programs at Navitas
• Work closely with Treasury leadership
• Provide collateral analysis to ensure asset selected meets eligibility criteria
• Manage and update 'Internal' gain on sale models to determine the economics of the sale
• Prepare Due Diligence file for Investors on proposed sales
• Coordinate settlement date of the sale with investors and all internal stakeholders at Navitas to ensure timely closing
• Prepare and execute sale documents accordingly
• Prepare accounting entries and post-closing tasks and reconciliation
• Interface with investors and handling any buybacks as appropriate
• Prepare various financial reports such as: Assets Demographics Portfolio Performance
• Prepare various ad hoc or ongoing financial analyses.
• Assist in gathering information and interfacing with auditors as needed

Treasury Capital Markets Analyst

• Assist in the planning and execution of the term asset backed securitization program
• Assist in the planning and execution of warehouse lender facility
• Oversee the day-to-day funding process with warehouse lenders
• Assist in asset / liability management including interest rate hedging
• Maintain key working relationships with banking partners, rating agencies, external council and investors
• Prepare borrowing base and investor reports ensuring all reports, remittances and reconciliations are completed on time and in accordance with policies
• Monitor debt covenants, run tests to ensure compliance and proactively identify required changes resulting from changes to business needs
• Prepare financial analyses for management, investors, rating agencies and banks
• Manage due diligence efforts with banks, rating agencies and investors
• Coordinate and run static pool analysis and loss stress models
• Prepare investor decks and meet with current and prospective investors
• Manage lender audits
• Assist in the capital markets and asset sale programs at Navitas.
• Work closely with Treasury leadership
• Provide collateral analysis to ensure asset selected meets eligibility criteria
• Manage and update 'Internal' gain on sale models to determine the economics of the sale
• Prepare Due Diligence file for Investors on proposed sales
• Coordinate settlement date of the sale with investors and all internal stakeholders at Navitas to ensure timely closing
• Prepare and execute sale documents accordingly
• Prepare accounting entries and post-closing tasks and reconciliation
• Interface with investors and handling any buybacks as appropriate
• Prepare various financial reports such as: Assets Demographics Portfolio Performance
• Prepare various ad hoc or ongoing financial analyses.
• Assist in gathering information and interfacing with auditors as needed

Banker

• Drive proactive needs-based sales conversations through interactions, including service to sales, teller interactions, and appointment setting.
• Maintain a comprehensive understanding of retail banking products and services.
• Identify opportunities to enhance existing customer relationships and cultivate new ones by thoroughly understanding and addressing customers’ needs, while considering their unique perspectives and priorities.
• Assist customers financially by delivering loan products, while ensuring packages are correct and complete to minimize exceptions.
• Identify opportunities and make referrals to cross-sell banking products and services to other areas of the bank.
• Educate customers on options for managing transactions using technology and all other tools and resources available.
• Apply product and service knowledge to effectively solve customer problems.
• Process deposits, withdrawals, and other routine transactions with accuracy and confidentiality.
• Ensure adherence to banking regulations and internal policies.

Universal Banker I

• Drive proactive needs-based sales conversations through interactions, including service to sales, teller interactions and appointment setting
• Maintain a comprehensive understanding of retail banking products and services
• Identify opportunities to enhance existing customer relationships and cultivate new ones by thoroughly understanding and addressing customers’ needs, while considering their unique perspectives and priorities
• Assist customers financially by delivering loan products, while ensuring packages are correct and complete to minimize exceptions
• Identify opportunities and make referrals cross-sell banking products and services, to other areas of the bank
• Educate customers on options for managing transactions using technology and all other tools and resources available
• Apply product and service knowledge to effectively solve customer problems
• Process deposits, withdrawals, and other routine transactions with accuracy and confidentiality
• Ensure adherence to banking regulations and internal policies

Universal Banker II

Universal Banker

Manager

• Player / Coach that leads a team supporting the closing and servicing of syndicated loans where UC is the Administrative Agent or Member/Participant.
• Review complex legal documents and commercial loan documents to ensure documentation accurately reflects the intentions of the credit approval, complies with bank policies and procedures, industry standards, and is operationally feasible to support.
• Resolve issues that may impede loan closing and use judgment to involve others when necessary.
• Execute loan closing, funding, booking, and servicing activities in the core loan systems, ensuring accuracy and data integrity.
• Process and assist with reconcilement of all activities related to syndicated loans, including advances, payments, rollovers, rate changes, fees and interest accruals.
• Responsible for ensuring loan boarding requests and/or loan maintenance requests are prepared, delivered and completed according to Bank, regulatory and investor guidelines and forward findings, reports, and documents to lender or specified loan assistant.
• Support reporting and operational tasks related to the syndicated loan portfolio
• Act as a liaison between bank counsel, compliance, RM/LOA, credit, and other internal and external partners and stakeholders.
• Management oversight to include interviewing, hiring, coaching, and training of direct reports.
• Provide world-class service to internal and external customers with a sense of urgency and positive attitude.
• 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.
• Adhere to Corporate and Loan Operations policies and procedures as prescribed.

Syndication Services Manager

Call Center Representative

• Responsible for creating and delivering training and on-going training for tenured Contact Center employees and new hires with specific emphasis on their first 90 days.
• Responsible for delivering an outstanding training experience to prepare our front-line team in delivering an exceptional customer service experience through timely and accurate processing of requests, quick problem solving, and First Contact Resolution.
• In coordination with the Training Administrator, manages overall scheduling and communication of training- related events.
• Works closely with and utilizes subject-matter-experts where needed and partners on other department project launch/training initiatives that have direct customer impact.
• Facilitates the Contact Center training programs to develop and cultivate a consistent, positive overall employee experience.
• Sets the tone and example of professionalism and excellence in appearance, demeanor, and presentation.
• Align all training and materials with the company culture.
• Determines company development, skill, and operational needs through various measures across the Bank and develops training programs to bridge learning or skill gaps.
• Identify process and procedural changes needing review and communicate to the Training Administrator.
• Works closely with hiring managers, Training Administrator, Team Leads and Subject Matter Experts to establish training needs.
• Researches, creates, delivers, and manages training criteria, programs, and initiatives through a variety of methods suitable for the topic, geography, and recipient.
• Tracks new hire progress to ensure successful creation, implementation, maintenance and follow up specific to needs.
• Reviews existing training materials, procedures and custom channel courses to keep relevant and updated.
• Provides input on new hire and Contact Center curriculums.
• Communicates developmental needs to the hiring manager of new hires, Team Leads and location Supervisors.
• Supports and partners with other departments’ process changes/enhancement to prepare Contact Center for changes impacting the team.
• Manages expenses to align with approved budget.

Contact Center Training Specialist

• Deliver excellent experiences for customers and prospects
• Provide service for both teller and platform responsibilities at branch locations
• Help with customer resolution and financial wellness by having needs-based conversations
• Maintain extensive knowledge of retail bank products and services
• Promote, explain, open and renew financial institution services such as consumer loans, IRAs, Certificates of Deposit, etc.
• Drive proactive needs-based sales conversations through interactions, including service to sales and appointment setting
• Assist customers financially by delivering loan products
• Perform transactions of a paying and receiving teller
• Educate customers on options for managing transactions using technology
• Assist other staff in serving customers

Travel Universal Banker

• Provide leadership to a team while engaged in complex syndicated deal execution, including due diligence, documentation, booking, and servicing.
• Act as a key liaison between internal partners and external stakeholders to ensure accurate and compliant transaction processing.
• Maintain data integrity and ensure alignment with credit approvals and syndication terms.
• Recruit, develop, and mentor a team; prioritize workload and resolve operational issues.
• Foster a culture of accountability, precision, and continuous improvement within the team.
• Participate in compliance training and adhere to corporate policies and procedures.

• Performs a broad variety of customer service, sales, and lending activities in order to promote branch growth
• Responsible for overall management, growth and profitability of branch
• Cross-trained on all functions within the branch
• Responsible for overall day-to-day management of facility, staff and operations of the branch
• Uses reports and resources as tools to maximize results for branch and staff
• Accountable for maximizing branch revenues, sales, customer satisfaction including CSP (Customer Service Profiles) scores while minimizing operating losses
• Participates in hiring, on-boarding, disciplining, and rewarding staff; responsible for managing performance of all branch employees; coaches employees for optimal performance
• Responsible for communicating and monitoring goals to staff on a consistent basis
• Assists in creation of and maintaining branch business plan
• Proactively participates in business development efforts to grow the branch
• Performs business calling and sales programs
• Updates and monitors sales activities using 360 View
• Develops and maintains a diversified loan and deposit portfolio based on current campaign focus
• Actively participates in the community maintaining good public relations
• Implements controls to protect the bank in accordance with policies and procedures
• Serves as chief communicator on all topics pertaining to and for branch staff
• Interview consumer loan applicants (including real-estate loans) and request specified information for loan applications
• Recommend and outline loan terms

Branch Manager

• Assists branch manager with overall operations in the Loan Support, Teller and CSR areas
• Cross-trained in order to assist by operating a Teller window during heavy customer periods or staffing shortages as well as filling in as a CSR
• Assists the Head Teller in compiling monthly reports on Teller Transactions and Teller Over and Short Reports and quarterly self-assessments
• Assists in interviewing consumer and small business loan applicants and complete loan application process as needed
• Stays abreast of all training including regulations as it applies to the lending and deposit areas as well as branch operations
• Generates new relationships/new accounts, actively cross selling bank products and services through outbound calling
• Updates and monitors sales activities using 360 View
• Maintains and stays abreast of security policies and procedures
• Assists with attaining internal performance objectives for branch sales, deposit & loan growth, and quality of audit reports
• Motivates, trains and coach employees to achieve branch goals
• Assists with work schedules, employee performance reviews and when required, disciplines subordinates
• Represents the financial institution to the community in activities which may include civic duties and outside business development calling
• NMLS # initial registration and annual renewal is required for this role. This process includes fingerprinting and background checks.

Assistant Branch Manager

Collector

• Maintain a working knowledge of financing contract types, including loans, leases, and purchase orders.
• Attempt daily contact on all assigned contracts, with priority accounts worked each day as defined by management.
• Communicate with customers via phone, letters, emails, and text messages in accordance with established procedures.
• Escalate delinquent accounts through the collection process in a timely and compliant manner.
• Negotiate past ‑ due fees within assigned approval authority guidelines.
• Project monthly delinquency for assigned contracts and provide visibility into expected portfolio performance.
• Process payments received over the phone by accurately entering them into the system for posting.
• Evaluate account collectability and recommend transfer to Recovery or Legal when appropriate.

Senior Collector

Agent

• Maintain a thorough understanding of state and federal laws related to commercial repossession, including bankruptcy implications.
• Analyze contracts transferred to Recovery for collectability and feasibility of remedies.
• Negotiate repayment terms within established approval authority guidelines.
• Coordinate nationwide repossession and remarketing of equipment or determine when abandonment is appropriate.
• Follow up on equipment recovery through bankruptcy proceedings.
• Decide when to transfer contracts to the internal Debt & Resolution department.
• Minimize costs while maximizing recovery receipts.
• Update problem loan statuses monthly.
• Perform other related duties as assigned by management.

Treasury Capital Markets Analyst

Treasury Capital Markets Analyst

Universal Banker I

Universal Banker I

Universal Banker II

Universal Banker

Syndication Services Manager

Contact Center Training Specialist

Travel Universal Banker

Syndication Services Manager

Syndication Services Manager

Branch Manager

Assistant Branch Manager

Senior Collector

Recovery Agent