Commercial Portfolio Manager

Date: May 24, 2024

Location: Mooresville, NC, US, 28117 Charlotte, NC, US, 28211

Company: United Bank

Job Description

The Portfolio Manager owns primary responsibility for the underwriting quality, portfolio administration and credit quality of assigned portfolio working directly with Relationship Manager, Lenders and other stakeholders within the Bank. 


  • Responsible for the credit and monitoring of portfolio risks
  • Working directly with Relationship Manager, Treasury Management and other team members to effectively grow fees, deposits, and portfolio revenue by presenting financial solutions to customers.
  • Conducts preliminary evaluation and underwriting of loan proposals terms sheets. 
  • Contribute to the Team’s overall meeting and/or exceeding the assigned volume/production goals
  • Will be responsible for entering and maintaining client data into the CLX and Sales Management system
  • Identify and recommend changes and enhancements to the Bank’s lending policies and procedures, to best serve community and current market needs
  • Responsible for full cycle of loan requests process.  Provide financial and market analysis, obtain data to prepare a term sheet and write proposals to expand lending business.
  • As part of the underwriting process, requests all third party appraisals required and obtain reports while ensuring all is within compliance.
  • Identify areas of concerns pertaining to a loan and discuss with Lender or Relationship Manager
  • Primary liaison with the Credit Department on loans submitted, prepare LLR and facilitate approval of the loan.
  • Primary contact for the coordination of information between client and internal departments in the loan process.
  • Responsible for communication and finalizing loan closing with external closing attorney.
  • Responsible for overseeing renewals, document tickler and covenant tracking of loans.
  • Monitor loan documentation exception reports and follow-up to clear up document exceptions in a timely manner.
  • Monitor financial statement exception reports and follow-up to clear up financial statement exceptions in a timely manner.
  • Works closely with Relationship Manager to manage maturing loans.
  • Troubleshoot, report and manage activity on delinquent accounts at the various intervals
  • Generate and provide requested reports as necessary on Team’s loan portfolio
  • Participate in team sales call and attend external events and activities in a business development role.


  • Bachelor’s degree in Business, Finance or related field or equivalent experience
  • Minimum of three (3) years of experience working in a Banking environment with emphasis on credit area required.
  • Prior working experience with loan underwriting is required.
  • Formal credit training is required.
  • Ability to successfully complete CLX and Sales Management system training within 90 days of hire or transferring into position required
  • Ability to analyze financial and project statement, corporate and personal tax returns.
  • Understanding of basic loan structure processes and regulations associated with lending
  • Strong understanding of loan documentation criteria
  • Knowledge of United’s services, products, policies and procedures is a plus
  • Excellent verbal and written communication skills;
  • Proficiency with Microsoft Office Suite (Word, Excel, Powerpoint)
  • Excellent interpersonal, customer relations and sales skills
  • Ability to demonstrate being a self-starter, well-organized, detail-oriented
  • Strong team work ethics is required
  • Ability to work well independently and in a fast paced environment
  • Travel within the local market may be necessary



  • Relationship Building
  • Business Development focused
  • Analytical
  • Professionalism

Essential Functions: 

  • Sitting for extended periods of time.
  • Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse, power tools, and other computer components.
  • Ability to converse and exchange information with all levels of staff within organization.
  • Ability to observe, perceive, identify, and translate data

Company Profile

At United, we value all of the relationships we have built since 1839. We are committed to providing each relationship with an unmatched level of service. While we offer competitive products, services, rates, and technology, the level of service we provide and our commitment to building relationships is what sets us apart from our competitors. Our 211 full-service banking offices and 15 loan origination offices in West Virginia, Maryland, Virginia, Ohio, Georgia, Pennsylvania, North Carolina, South Carolina and Washington, D.C. are each built on customer service and commitment to the community. United is backed by a history of safe, sound and secure banking practices that have allowed us to navigate through decades of changing economic environments. Because of this, our employees, customers, shareholders and communities can rely on us to be their banking partner for decades to come. Member FDIC. Equal Housing Lender. Equal Opportunity Employer.

Nearest Major Market: Charlotte

Job Segment: Relationship Manager, Pre-Sales, Proposal Writer, Bank, Banking, Customer Service, Sales, Finance