Offer summary

Qualifications:

10+ years in commercial credit underwriting and portfolio management, 5+ years in a leadership or management role, Bachelor’s degree in accounting, finance, or related field required, Master’s degree preferred.

Key responsibilities:

Lead and coach a team of underwriters through the full deal lifecycle

Align underwriting, CRMs, and LOAs into cohesive Deal Teams

Facilitate regular Deal Team meetings to review pipeline and financial ticklers

Collaborate with State President and Regional Credit Manager to meet portfolio goals.

Job description

State Portfolio Manager

As a State Portfolio Manager (SPM) at United Community, you will lead a team of Commercial Portfolio Managers focused on protecting and growing the Bank’s assets through proactive account management. This role is critical in consistency, transparency, and excellence across underwriting processes at the state level. You will partner closely with the State President and Commercial Credit Administration (CCA) to ensure alignment with loan policy, risk standards, and portfolio performance goals. This is a strategic leadership role that combines technical expertise, disciplined execution, and people development.

What You’ll Do:

Lead and coach a team of underwriters through the full deal lifecycle—from screening to approval, funding, and ongoing monitoring
Align underwriting, CRMs, and LOAs into cohesive Deal Teams to enhance client experience and operational consistency
Facilitate regular Deal Team meetings to review pipeline, renewals, past dues, covenants, and financial ticklers
Monitor team performance and provide coaching through quarterly quality scorecards
Collaborate with State President and Regional Credit Manager to meet portfolio quality, profitability, and growth goals
Partner with internal stakeholders including CRMs, Credit Approvers, and CCA to drive results
Lead periodic meetings to communicate policy and process updates

Requirements for Success

10+ years in commercial credit underwriting and portfolio management
5+ years in a leadership or management role
Experience with CRE, Middle Market, ABL, and Not-for-Profit lending preferred
Education:
Bachelor’s degree in accounting, finance, or related field required
Master’s degree preferred

Conditions of Employment:

Must be able to pass a criminal background & credit check
This is a full-time, non-remote position

FLSA Status:

Exempt

Ready to take your career to the next level? Apply now and become a vital part of our team!

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.