United Community Bank

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
• Possess an understanding of Form 1099 reporting requirements and be knowledgeable of basic sales and use tax requirement for the states we operate in
• Support the AP Manager with the escheatment process for un-cashed checks
• Responsible for responding to vendor inquiries and maintaining accurate vendor records
• Research and resolve internal and external inquiries and communicate the findings and any required actions to the appropriate persons in a timely and complete manner
• Maintain and update substantial Accounting files, documents, records, and reports as needed
• Assist with ad hoc reporting requests as needed

Accounts Payable Associate I

Operations

• Contacts agents and customers to obtain current insurance policy information as needed to prevent lender placed insurance
• Ensures data accuracy in system of record as related to collateral and insurance requirements
• Calculates and validates adequate insurance coverage requirements
• Ensures that loans and insurance comply with all related bank policies, procedures, and regulatory requirements
• Collaborates with the Centralized Flood team to resolve flood zone disputes as related to lender place insurance
• Communicates with lenders, credit partners, and customers to ensure proper coverage exists to protect the bank
• Provides on-going support to customers and lending staff as needed for insurance questions
• Monitors shared inbox and insurance queue to process insurance submissions in a timely manner
• Responsible for the tracking and daily monitoring of vendor reports for all consumer, mortgage, and commercial loan insurance activity
• Reviews and validates the timeliness and accuracy of lender placed insurance policies
• Assists with processing and reconciling weekly lender placed insurance premiums and refunds
• Assist relationship managers on insurance due diligence items in a timely and accurate manner
• Participates in all required compliance training, as well as internal and external training programs, online training, meetings, or other education events as assigned by Loan Ops and Bank leadership
• Adheres 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
• Demonstrates exceptional organization and time management skills and ability to balance competing priorities to meet multiple deadlines

Loan Operations Specialist

Manager

• 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.

Senior Portfolio 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

• 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

• 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 development efforts to grow the branch's customer base
• Ensure operational excellence and compliance with all banking regulations

Branch Manager

Financial Planning and Analysis

• Analyze client operating performance and financial condition; proactively identify issues, opportunities, and recommend appropriate risk mitigation strategies
• Monitor and manage overall credit quality and data integrity for the Builder Finance portfolio
• Perform sponsorship reviews and project monitoring by analyzing client, guarantor, and market information
• Determine financial and project compliance and document analysis summaries within appropriate management systems
• Deliver financial, industry, and economic analyses to support sound credit decision-making
• Contribute to due diligence efforts and preparation of credit approval packages
• Ensure adherence to credit policies, underwriting standards, and applicable regulatory requirements
• Promote consistent commercial underwriting practices across the holding company
• Develop and utilize management information systems to minimize portfolio risk
• Prepare and manage annual reviews, commitment letters, covenant compliance, CARs, and loan approval packages
• Spread and analyze financial statements for borrowers and guarantors
• Serve as primary interface between Builder Finance Relationship Managers and Regional Credit Managers
• Maintain financial exception reporting to proactively identify and resolve risk items
• Support partnership lending models alongside Relationship Managers outside of Builder Finance
• Build and manage a specialized Builder Finance underwriting and portfolio management team
• Design and implement Builder Finance-specific underwriting templates and tracking tools
• Research regulatory guidance, market participants, systems, and platforms to support specialized lending growth
• Maintain professional and community relationships to enhance visibility and generate new business opportunities
• Support portfolio management process improvement initiatives through research, standardization, and workflow optimization
• Perform other duties as assigned

Senior Finance Portfolio Manager

System Administrator

• Manage and document all systems configuration changes in adherence to the bank’s Change Management Policy
• Track all work, accomplishments, backlog items, and system changes
• Collaborate with various mortgage leaders to ensure end users are informed of enhancements or changes
• Collaborate with internal business partners and existing resources to develop a solid understanding of our business, procedures, and operations
• Perform user acceptance testing, advise on business change implications and produce user documentation in order to support and enable the implementation of new initiatives and projects
• Ensure regulatory compliance requirements are tested & implemented according to secondary market and bank regulatory requirements
• Create automated workflows, input forms, custom fields, documents, and business rules as requested
• Continually look for ways to use technology to improve or automate existing processes used by the business unit
• Analyze vendor documentation and/or technical specifications of any release to assess testing, deployment, and reconfiguration needs
• Define application and/or procedural problems by conferring with end users to evaluate current processes and procedures
• Create, recommend, and deploy new Encompass functions, capabilities, and integrations
• Manage permission access and user capabilities based on roles in mortgage systems
• Assist in the development, writing, and updating of procedures and policies on mortgage-related systems, software, and products
• Assist with internal product roadmap considering process improvements and system enhancements that, when managed well together, deliver enhanced value
• Investigate and troubleshoot issues related to the LOS or any related process, dependency, integration, or any other application that may relate to the system of record
• Support end-users by troubleshooting and conducting advanced analysis when necessary
• Serve as an escalation point for critical application issues
• 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.

Senior Mortgage Origination Systems Administrator

Data Engineer

• Design, implement, and optimize ETL processes to both our Snowflake environment as well as legacy SQL Server
• Create and maintain data models and databases that support analytical and reporting needs across all lines of business
• Develop and implement validity checks to monitor and assure data products meet quality thresholds for accuracy and reliability
• Work collaboratively within cross-functional teams to gather data requirements and document business expectations and needed deliverables
• Identify and resolve inefficiencies within production data pipelines
• Produce and maintain comprehensive documentation of architectures, processes, and systems
• Adhere to all regulatory and compliance requirements

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

• Perform assigned duties in accordance with the highest professional and ethical standards
• Demonstrate a strong understanding of business risks, internal controls, and testing methodologies related to SOX and financial reporting
• Support the Director of Financial Controls Compliance in managing annual and quarterly SOX 302, 404, and 906 compliance activities, including scoping, process walkthroughs, and assessments of control design and operating effectiveness
• Coordinate with business process owners to ensure internal controls, narratives, and flowcharts are reviewed, documented, and updated within the SOX application (WDesk by Workiva) as changes occur
• Provide ongoing support to key SOX stakeholders, including process owners, Internal Audit, External Audit, and senior management
• Manage outsourced internal audit resources supporting SOX compliance efforts
• Support the quarterly sub-certification process
• Plan and coordinate SOX walkthroughs and testing performed by Internal and External Audit
• Oversee the SOX document repository and ensure adherence to document retention policies
• Maintain and publish a compliance calendar covering all SOX-related testing and walkthrough activities
• Travel overnight to other locations within the United Community footprint as required
• Perform other duties as assigned

Financial Controls Compliance Analyst

Data Analyst

• Assist in maintaining and developing quantitative models, including Interest Rate Risk (IRR), Asset Liability Management (ALM), Funds Transfer Pricing (FTP), customer behavior modeling, and stress testing
• Engage in model validation activities and produce comprehensive model validation reports
• Apply innovative and scientific quantitative approaches to analyze complex business problems, draw conclusions, and make data-driven recommendations
• Translate analytical findings into clear communication materials for peer review and executive management presentations
• Apply advanced analytical knowledge to collaborate with cross-functional teams, understand complex business objectives, and influence solution strategies
• Prepare detailed balance sheet analysis to support treasury and risk management initiatives

Accounts Payable Associate I

Loan Operations Specialist

Senior Portfolio Manager

Assistant Branch Manager

Assistant Branch Manager

Portfolio Manager

Branch Manager

Senior Finance Portfolio Manager

Senior Mortgage Origination Systems Administrator

Assistant Branch Manager

Data Engineer

Portfolio Manager

Commercial Relationship Manager

Financial Controls Compliance Analyst

Treasury Quantitative Analyst