Portfolio Manager I

About United Business Bank

We are a publicly traded Regional Bank with over $2.5B in assets and 34 offices in 5 states. We have an entrepreneurial spirit and focus on the community by specializing in small to medium-sized business clients. Our single point of contact model delivers outstanding customer service. United Business Bank offers a comprehensive benefit package including medical, dental, vision, 401K, long and short-term disability insurance, flexible spending account, and a generous vacation and sick policy.

About the Role

The Portfolio Manager I (PM I) is an onsite position responsible for managing an existing book of loans and relationships. Key responsibilities include:

• Conducting monthly calls to all existing clients and performing annual site inspections.
• Analyzing client financial statements and staying on top of approaching maturities to ensure timely renewals.
• Ensuring loan files are complete and in accordance with Bank policy, and actively managing technical exceptions.
• Identifying clients' financial needs and providing solutions using the Bank’s range of products and services, such as commercial/real estate credits, cash management, savings, or time deposit accounts.
• Analyzing loan requests to determine risk within the Bank’s policy framework and preparing required documents for approval.
• Monitoring economic conditions that may impact clients' financial health and increase risk to the Bank.
• Supporting the Regional Team Lead – Portfolio Management, Chief Lending Officer, and Lending team with additional duties as assigned.
• Performing all duties accurately, timely, and efficiently according to Bank policies, procedures, regulatory guidelines, and SBA SOP (if applicable).

Qualifications

You are a self-starter with an entrepreneurial spirit who thrives in a team environment. The ideal candidate has the following:

• Education/Certification: Bachelor’s Degree in Business or related field (preferred).
• Required Knowledge: Knowledge of banking and lending operations, regulations, and standard banking practices.
• Experience Required: Minimum of 3 years' experience in the financial services industry.

Skills

• Strong oral and written communication abilities.
• Strong math and interpersonal skills.
• Strong business development techniques and cross-selling skills.
• Ability to identify, analyze, and handle credit requests.
• Good organizational and personal computer skills (Word, Excel).
• Professional appearance, dress, and attitude.

Location

This is an onsite position with no remote opportunities.