Portfolio Specialist II

Overview We’re seeking a Portfolio Specialist II to provide expert credit and sales support to our Commercial Banking Relationship Managers. This role is ideal for someone with strong analytical skills, a collaborative mindset, and a deep understanding of loan portfolio management. What You’ll Do Credit & Sales Support Partner with Relationship Managers to manage loan portfolios, including annual reviews, covenant compliance, borrowing base monitoring, and collateral exceptions. Participate in joint client calls, underwriting, and preparing credit approval packages. Coordinate with Credit Analysts to develop financial spreads, LARs, credit memos, and related documentation. Serve as a secondary contact for client relationships and identify cross-sell opportunities. Assist lenders with prospecting and prepare commitment letters and loan documents. Financial Analysis Analyze complex business and personal financial statements and tax returns. Evaluate client relationships holistically to identify risks and opportunities. Prepare and present credit analysis packages with limited supervision. Recommend strategies to mitigate credit risks. Requirements For Success 3-5 years of experience in commercial lending, including underwriting and financial analysis. Strong knowledge of commercial loan structures and credit policy. Familiarity with banking regulations and loan documentation. Excellent communication and interpersonal skills. Ability to work independently and manage multiple priorities. Proficiency with financial reporting tools (e.g., Navigator). Strong organizational and time management skills. Conditions of Employment Must pass a criminal background and credit check. Full-time, on-site position (non-remote). FLSA Status: Exempt. Pay Range USD $70,000.00 - USD $82,135.00 /Yr. #J-18808-Ljbffr United Community Banks Inc.