United Community Bank

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.
• Performs other duties as assigned.

Senior Portfolio Manager, Wealth Management

Operations

• Provide sales and administrative assistance to Commercial Relationship Managers (CRM)
• Support new and renewed loan production by collecting, ordering, and tracking information required for accurate risk assessment and underwriting.
• Assist with preparation of written communication on behalf of the CRM to include commitment letters, term sheets, thank you notes, etc.
• Complete the Credit Lens Loan Worksheet, confirming agreement with final approval documents, to engage the Commercial Loan Closer.
• Assist CRM by monitoring reporting and identifying where action needs to be taken,
• Provide outstanding service and respond to requests from internal and external customers.
• Collect customer financial statements, as required by the loan agreement, in a timely manner and load to Credit Lens.
• Collaborate with CRM, Commercial Loan Closer, Underwriter, Doc Prep and/or outside counsel on loan closings; collect executed documents from CRM and submit.
• Facilitate ongoing disbursement requests including coordination with Construction Administration.

Commercial Loan Operations Assistant

• 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.

Senior Portfolio Manager, Wealth Management

Commercial Loan Operations Assistant

Assistant Branch Manager

Senior Portfolio Manager

Senior Portfolio Manager

Middle Market Relationship Manager