Business Banking Portfolio Manager

Date: Nov 17, 2023

Location: Washington, NC, US, 27889 New Bern, NC, US, 28562

Company: United Bank

Job Description

Responsible for underwriting small business loan requests to achieve efficiencies and quality of the process to enhance client experience. Primary performance responsibilities include analyzing business and personal financial data to determine the merits of the loan request (including adherence to loan policy), assessing the credit worthiness of borrowers, and identifying risks. Ensure all due diligence and background evaluations are complete and thorough before rendering a credit recommendation. 

•    Responsible for the evaluation and underwriting of Business Banking loans to determine credit worthiness and compliance to United lending policies.
•    Review and analyze business and personal financial data to determine the merits of the loan request, assessing the credit worthiness of borrowers.
•    Working directly with Lender or Relationship Manager and other team members to effectively grow fees, deposits, and portfolio revenue. 
•    Contribute to meeting and/or exceeding the assigned volume/production goals of the account officers within the markets they service. 
•    Deliver spreadsheets, reports, summaries and issue opinions and recommendations to loan officers, credit officers or approving body to be utilized in credit decisions on new, renewal and existing loans.
•    Perform company and industry research as needed. Perform online research of public records including, but not limited to, assessors’ databases, county register’s databases, Lexis Nexis and Secretary of State database for corporate filings and Uniform Commercial Code (UCC) filings.
•    Analyst will independently be responsible for accurate completion of loans assigned by applying appropriate techniques and regulatory parameters.
•    Effectively communicates and acts as a liaison to internal customers to resolve business lending issues.
•    Assists with organizing workflow for designated group and coordinates the successful completion of projects as assigned.
•    Periodically may participate in market visits or client calls as necessary.
•    Contacts Relationship Manager, as appropriate, for additional information and details related to loan request or clarification of financial materials and resources.
•    Collaborate with team members by providing credit alternatives and creative ways to structure credits ensuring that transactions are within portfolio risk standards. 
•    Maintains up-to-date knowledge on all Bank lending policies and regulations. Confers with the Credit Team and appropriate Bank personnel regarding new/existing lending requirements and regulations.
•    Identify areas of concerns pertaining to a loan and discuss with Lender or Relationship Manager or Director of Business Banking or Market President, as applicable. 
•    Maintains a proactive commitment to established bank programs, such as Community Reinvestment Act (CRA) and Affirmative Action.
•    Participate in team sales meetings.


•    Bachelor’s Degree required; degree may be substituted with minimum of three (3) years of additional related banking experience.
•    One (1) year of professional Banking experience required; experience in Credit Analysis is preferred.
•    Demonstrated ability to complete accurate complex financial and other analysis is required
•    Proficiency in Microsoft Office products is required.
•    Demonstrated ability to use Financial Analysis software required.
•    Demonstrated ability to complete accurate financial and other analysis is required.
•    Ability to travel up to 10% required (may require overnight travel) 
•    Ability to demonstrate strong interpersonal and problem-solving skills.
•    Excellent written and verbal communication skills required.
•    Ability to perform complex mathematical calculations is required.
•    Ability to work independently and as part of a team within a fast-paced environment.
•    Strong multi-tasking and detail-oriented skills is essential.
•    Demonstrates the Bank’s core values.

•    Analytical and critical thinking skills
•    Assessing, analyzing and interpreting complex financial information
•    Meticulous attention to detail
•    Problem Solving
•    Interpersonal and communication skills

Essential Functions: 
•    Sitting for extended periods of time.
•    Ability to efficiently operate a computer keyboard, mouse, 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.
•    Ability to travel via air, rail, automobile and/or bus.

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. At United, our strength is our people, and we are committed to nurturing an inclusive culture that is reflective of the communities we serve; celebrates diversity of thought, backgrounds, and experience; promotes respect and a shared purpose; and aligns with our core values. Member FDIC. Equal Housing Lender. Equal Opportunity Employer.

Nearest Major Market: Raleigh
Nearest Secondary Market: Rocky Mount

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