United Community Bank

Operations

• Provide sales and administrative support to CRMs and other partners
• Assist in loan production by collecting, ordering, and tracking necessary information for risk assessment and underwriting
• Prepare written communications on behalf of CRMs, such as commitment letters, term sheets, and thank you notes
• Monitor reporting and identify necessary actions for maturities, auto-renew letters of credit, insurance, and real estate taxes
• Provide exceptional services and respond to internal and external customer requests
• Collaborate with CRMs, Commercial Loan Closers, Underwriters, Doc Prep, and/or outside counsel on loan closings

Commercial Loan Operations Assistant

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

• Responsible for the accurate and complete delivery of consumer lending and small business loan information utilizing the application and document preparation system in accordance with the core systems.
• Ensure regulatory compliance and deliver excellent service to both internal and external customers.

Loan Operations Funding & Booking Specialist I

Accounting Manager

• Assist with accounting for lease payments received, including maintaining, tracking, and reconciling lease payments for all United Community Bank–owned properties that are leased, and tracking lease increases or changes per agreements
• Assist with daily reconciliations of all Cash Vault activity, including but not limited to Brinks, Loomis, and ATM Response
• Perform General Ledger account reconciliations and Internal DDA account reconciliations as assigned
• Research and assist with clearing reconciling items from assigned accounts
• Maintain appropriate system policies, procedures, and SOX documentation for areas of responsibility
• Serve as the subject matter expert for all property tax inquiries and payments, including invoice coding and submission to Accounts Payable or Navitas
• Act as point of contact for all General Ledger non-post transactions
• Handle all annual survey filings and assist with FR2900 weekly filings
• Review United Community Insurance Services DDA account activity and post entries as necessary
• Assist with month-end and/or quarter-end closing journal entries
• Assist with CDARS and ICS activity
• Review Cash Advance DDA and General Ledger accounts and post entries as necessary
• Maintain and process monthly recurring batches
• Partner with the Financial Systems team to help streamline and improve accounting tasks
• Perform financial analysis when requested
• Cross-train on other Accounting Operations tasks to provide coverage and backup support
• Assist the Accounting Operations Manager or designee with audit research and auditor requests
• Provide support to others within the Accounting department as assigned
• Participate in all required compliance training, including Bank Secrecy Act / Anti-Money Laundering training, and required internal or external training programs

Staff Accountant – Accounting Operations

• Be familiar with bank products and services and look for opportunities to develop new customer relationships and strengthen existing ones using United’s need-based sales approach
• Interview consumer loan applicants and request specified information for loan applications
• Accept loan applications and notify applicants of loan decisions
• Order credit reports and recommend loan terms
• Review, analyze, and process consumer lending requests in compliance with policies
• Work past dues, loan exceptions, and criticized asset reports
• Develop and maintain interest rate structure consistent with bank policies
• Use independent judgment and discretion based on assigned lending authority
• Stay abreast of current and developing regulations applicable to lending
• Provide efficient, accurate, and high-quality service while maintaining good customer relations
• Support others through mentoring and attending sales and developmental meetings
• Attend and serve in community functions, boards, and committees as necessary
• Other duties as assigned

Relationship Manager

Business Development Rep

• Generate new SBA loan business through prospecting, outside calling, networking, attending conferences, and developing new referral sources within the healthcare industry.
• Originate and fund SBA 7(a) loans nationwide, with a primary focus on healthcare-related businesses.
• Maintain and apply a thorough understanding of the bank’s credit policy, SBA eligibility requirements, and necessary business practices to ensure accurate and complete loan application packages.
• Achieve 100% of established annual production goals by year-end, as determined at or near the beginning of each year.
• Generate loans that maintain an acceptable level of credit performance.
• Assist Special Assets and Credit Services with servicing actions as requested within the assigned marketing area.
• Participate in all required compliance training, including Bank Secrecy Act and anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars or conferences.
• Perform other duties as assigned.

Healthcare Business Development Officer I

• 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

Loan Operations Commercial Loan Closer

• Review approved credit request to identify required pre-close conditions and due diligence requirements
• Order and/or review required due diligence requirements including, but not limited to, the following: Title Commitments / Title Searches, UCC searches, Flood determinations, Proof of adequate and acceptable insurance, Surveys, Entity documents, Evaluation or real estate appraisal, Environmental Questionnaire or Assessment, Good Standing Certificates, Beneficial Ownership
• Monitor and confirm receipt of all due diligence items and review to confirm loans documents can be created accurately and the Bank’s lien can be perfected.
• Responsible for due diligence and closing activities on commercial loans and ensuring tasks are executed in compliance with Bank policy, regulatory law, interbank Service Level Agreements and investor guidelines when applicable.
• Submit loan to internal Doc Prep team to request preparation of loan closing documentation.
• Engage approved attorney, representing the bank, to prepare loan closing document and/or close loan when applicable.
• Coordinate effort to establish a closing date and time with all parties concerned including attorneys, title companies, customer, CRM, and LOA.
• Review draft closing documents and closing / settlement statement for accuracy and confirm agreement with loan approval.
• Facilitate corrections as needed.
• Ensure all due diligence information is properly documented
• Provide “Clear to Close” upon confirmation that all approval conditions and due diligence requirements have been satisfied.
• Takes appropriate action to resolve deficiencies and escalate when necessary.
• Review executed documents for accurate and complete signatures and forward to Loan Servicing for booking
• Confirm all supporting documentation related to the deal is loaded to CreditLens and /or submitted for imaging to Director
• Assist with initial loan disbursement that occurs at time of closing; acting as second required signature
• Coach, mentor and perform disciplinary action as required for direct reports.
• Proactively identify problems, opportunities, and operational changes that require communication and coordinate with other CLCTL and Commercial Loan Closing Manager as needed
• Continually monitor performance and effectiveness of team in alignment with departmental goals
• Adhere 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.

Loan Operations Commercial Loan Closer – Team Lead

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.

Wealth Management Portfolio Manager

• 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

• 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