United Community Bank

Manager

• 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

• 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.

Senior Portfolio Manager

• Works with CBS verticals including, but not limited to, Middle Market, Home/Condo Owner Associations (HOA/COA), Franchise, and related CBS lenders to manage all aspects of the loan portfolio including annual reviews, past dues, BBRs, covenant compliance, CARs, collateral exceptions, and other portfolio management tools
• Works in concert with the Chief Commercial Banking Officer, MM/HOA/Franchise Team Leaders, and Regional Credit Officer to ensure proper risk profile of subject market loan portfolio
• Triage and manage workflow with Portfolio Specialists in preparation of LARs, credit memos, spread, and related documents
• Actively participates and assists in all aspects of the loan process including calling, underwriting, presenting through the credit approval chain, and closing
• Identifies and collects all relevant information required to analyze credit requests
• Prepares commitment letters and reviews loan documents
• Serves as secondary contact on client relationships
• Identifies cross-sell opportunities with new and existing clients; coaches and supports team on developing relational business acumen
• Proactively assists commercial banking relationship managers in prospecting efforts, make calls with the CBRM when necessary
• Other duties as assigned

Account Manager

• Develop and manage middle market business relationships including making loans, obtaining deposit accounts, selling cash management services and cross selling other bank services.
• Manage and retain profitable client relationships.
• Develop new business through active calling on clients and prospects.
• Develop and maintain a strong COI’s network.
• Use Vertical IQ, Business Browser, or other tools available to research and develop leads.
• Manage individual production versus assigned goals.
• Recommend structure, terms and rate for loans being underwritten.
• Provide guidance to credit analysts.
• Manages loan closing process to include preparing term sheets and commitment letters as well as communicating with attorneys, appraisers and related professionals.
• Ensure adherence to company loan policies and procedures.
• Evaluates risk to meet profitability standards.

Middle Market Relationship Manager

Accounts Payable

• Responsible for efficiently processing various types of accounts payable transactions in accordance with the Accounts Payable Policies
• Meet processing quantity and quality objectives as set by the AP Manager
• Prepare payment batches as needed
• Maintain an understanding of internal controls and their importance for the position
• Maintain and update substantial Accounting files, documents, records, and reports as needed
• Assist with ad hoc reporting requests as needed

Accounts Payable Associate I

Customer Support

• Offer exceptional service to meet customer's financial needs and build lasting relationships with a proactive, solutions-focused approach
• Understand and communicate United's products and services, including account types, loan options, and investment products, to help customers make informed choices
• Actively recommend and sell products and services that match customer needs, contributing to United's growth and customer satisfaction
• Address and resolve customer concerns with professionalism and empathy, maintaining a high standard of customer care
• Assist with inquiries, disputes, debit card maintenance, and provide general support to your team to keep operations running smoothly
• Educate customers on option for managing transactions using technology and all other tools and resources available

Customer Service Representative

• Lead all aspects of local loan portfolio management, including annual reviews, covenant compliance, and collateral exceptions.
• Collaborate with senior leadership to maintain appropriate risk profiles.
• Manage and mentor a team of credit specialists, portfolio managers, and analysts.
• Oversee the preparation of credit memos, spreads, and related documentation.
• Participate in client calls, underwriting, credit presentations, and loan closings.
• Identify and mitigate credit risks through sound analysis and recommendations.
• Prepare commitment letters and review loan documentation.
• Support cross-sell initiatives and coach team members on relationship development.
• Assist lenders in prospecting and client engagement efforts.

• Responsible for the supervision and oversight of the mortgage processing department.
• Ensure quality and production of mortgage processing activities are met.
• Develop and maintain strong understanding of Mortgage Lending products, policies, and processes.
• Set daily priorities for processing staff while maintaining compliance with regulatory guidance.
• Supervise staff to achieve production goals and close loans within timelines.
• Effectively manage applicable team matters associated with Human Resources.
• Organize and maintain pipeline reviews to ensure borrower expectations are exceeded.
• Create business processes that promote a culture of excellence.
• Recruit, develop and retain high-performing team members.
• Maintain quality control scores and respond to QC defects.

Mortgage Processing Manager

• 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

Analyst

• Quantify and report the institution’s interest rate risk (IRR) position using the company’s ALM software model (the “Model”)
• Run ALM Model and have a thorough understanding of how the Model functions, the assumptions being used in the Model and how Model output is impacted by changes in the balance sheet, assumptions and interest rates
• Update, maintain, and document Model input assumptions
• Using the Model, produce monthly IRR measurements such as Earnings at Risk (“EAR”) and Economic Value of Equity (“EVE”)
• Reconcile the Model to actual balance (G/L)
• Be completely familiar with regulatory guidance, such as SR Letters and the Examiner’s Handbook, with respect to asset-liability management, and maintain copies of recent guidance documents for reference
• Ensure full documentation is maintained for all AL processes and procedures to ensure business continuity and to provide a basis for process auditing
• Assist with other Treasury department projects as needed
• Maintain Compliance with Model Policy
• Credit modelling of counterparties in internal credit model, and monthly counterparty reporting.
• Load, or assist Investment Portfolio Manager with loading, monthly bond data into bond analytics software, reconcile data as loaded to G/L.
• Load data from bond analytics software into ALM model,
• Assist with reporting from bond analytics software
• Derivatives marketing support
• Update customer derivatives pricing sheet from internal pricing model

Treasury Asset Liability Analyst

Platform Engineer

• Assist in daily administration of Microsoft SQL Server, including monitoring, user management, backups, and basic troubleshooting.
• Support Snowflake administrative tasks such as user/role management, basic security configuration, and access troubleshooting.
• Help maintain integrations such as API connectors, storage integrations, and external access connections.
• Monitor platform health and escalate issues to senior engineers or DBAs when needed.
• Oversee account configuration, role hierarchy, and security policies.
• Ensure high availability and disaster recovery readiness.
• Participate in automation efforts for SQL Server and Snowflake administrative tasks under the guidance of senior staff.
• Assist with CI/CD processes, including database deployments and testing.
• Support infrastructure‑as‑code efforts as appropriate.
• Support adherence to data governance practices, including tagging, classification, and retention policies across SQL Server and Snowflake.

Junior Data Platform Engineer

Financial Planning and Analysis

• Collaborate with process and control owners to maintain and enhance the organization’s SOX control framework, including process narratives, flowcharts, and RCMs.
• Strengthen and oversee the internal control environment, proactively identifying, evaluating, and mitigating risks within financial reporting processes.
• Design and document internal controls in alignment with industry best practices and regulatory standards.
• Serve as a strategic partner to senior leadership, internal and external auditors, with direct accountability for SOX-related reporting and insights.
• Collaborate with process and control owners to validate control effectiveness in accordance with COSO and SEC requirements.
• Identify control gaps and deficiencies, and work with stakeholders to develop and implement effective remediation plans.
• Provide training and guidance on SOX compliance and internal control best practices to employees across the organization.

Senior Analyst, Financial Controls Compliance

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.

Commercial Loan Closer

• 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

• Responsible for assessing and validating Make, Increase, Renewal or Extension (MIRE) events
• Manages and completes flood due diligence items in a timely and accurate manner
• Ensure data accuracy in system of record
• Obtains and evaluates all relevant information used in completing Flood Zone Determinations
• Calculates and determines adequate flood insurance coverage requirements
• Acts as the main point of contact on flood insurance and coverage requirements
• Ensure that loans and insurance comply with all flood related bank policies, procedures, and regulatory requirements
• Communicate with lenders, credit partners, and clients to ensure coverage exists to protect the bank
• Responsible for the tracking and daily monitoring of flood review process for all consumer, mortgage, and commercial loans
• Provide on-going support to lending staff as needed for flood questions
• Responsible for flood map changes, updates, and research
• Take ownership of other duties as assigned

Assistant Branch Manager

Senior Portfolio Manager

Senior Portfolio Manager

Middle Market Relationship Manager

Accounts Payable Associate I

Customer Service Representative

Senior Portfolio Manager

Mortgage Processing Manager

Branch Manager

Treasury Asset Liability Analyst

Junior Data Platform Engineer

Senior Analyst, Financial Controls Compliance

Commercial Loan Closer

Portfolio Manager

Loan Operations Flood Insurance Specialist