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Portfolio Specialist
United Community Banks
Raleigh, NC, United States
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A Portfolio Specialist II provides credit and sales support to commercial banking Relationship Managers. The PS is responsible for a wide range of duties including, but not limited to, the following:
Job Requirements
Bachelor’s degree with course work in finance and accounting preferred 3– years of work experience related to various aspects of commercial lending preferred
Must possess a proficient knowledge of credit policy, banking regulations, and loan documentation issues
Must possess an extensive knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations
Must have excellent interpersonal and communication skills
Must be able to verbally communicate effectively one‐to‐one and in groups
Must be able to write clearly and effectively
Must be able to develop and maintain cohesive, cooperative working relationship with co‐workers
Must have good personal organization and time management skills
Must understand and work effectively within the credit culture of the company
Must allocate time effectively and independently prioritize work load to meet timelines
Must be able to work with in‐house financial reporting applications, including Navigator
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.
Job Functions
Work with RMs to manage all aspects of the local loan portfolio including annual reviews, past dues, borrowing base monitoring, covenant compliance, CARs, collateral exceptions, and other portfolio management activities
Actively participate and assist in all aspects of the loan process including joint calling, underwriting and preparation of credit approval packages
Coordinate with Credit Analysts in the preparation of LARs, credit memos,financial spreads, and related documents
Serve as secondary contact on client relationships
Identify cross‐sell opportunities with new and existing clients
Prepare commitment letters and reviewing loan documents
Assist lenders in their prospecting efforts
Must be able to spread, analyze, and interpret complex business and personal financial statements and tax returns
Must be able to analyze relationships, clients, and prospects globally, not just on individual requests
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
Other duties as assigned