Regional Credit Manager
Job Summary
United Community Bank is seeking a dedicated and experienced Regional Credit Manager. In this role, you will work closely with Commercial Relationship Managers, Underwriters, Sales Managers, and Regional Presidents to ensure high credit quality through the loan approval and portfolio management process. Your primary responsibility will be commercial credit decisioning, where you will play a crucial role in maintaining the integrity and quality of our loan portfolio.
Join our team and contribute to the success of United Community Bank by leveraging your expertise in credit management and your ability to collaborate effectively with various stakeholders.
Job Functions
Credit Decisioning and Approval
Commercial credit decisioning for a $1 Billion loan portfolio (deal size $1MM-$10MM, medium to high complexity, C&I and CRE)
Approve credits in a timely and efficient manner to meet customer expectations
Serve as gatekeeper for approval of larger credits above assigned credit authority
Risk Management
Protect the bank's assets through proper execution and administration of risk management policies and procedures
Accountable for quality approval decisions and overall quality of the assigned loan portfolio
Lead role in monitoring credit quality, including portfolio risk ratings and oversight of criticized asset and portfolio review meetings
Collaboration and Advisory
Work with Commercial Lending teams and Bank/Regional Presidents to promote the credit culture of United Community Bank
Acts in an advisory and referral role to Lenders and Analysts in matters of compliance, regulation, and policy
Policy and Training
Recommend changes in underwriting and policies where appropriate
Assist in training new analysts, underwriters, lenders, and ongoing training of policies, procedures, and culture
Education and Experience Requirements
Education
College degree or equivalent; Graduate degree preferred
Experience
Minimum 10 years in a regulatory or commercial lending background (with at least 8 years in commercial lending)
Commercial Relationship Manager experience preferred
Supervisory and managerial experience preferred
Skills
Strong analytical skills with problem-solving abilities
Excellent organizational, interpersonal, and communication skills
Good working knowledge of legal, documentation, and administrative aspects of Commercial Lending
Other Requirements
In-market presence and regular travel between supported locations
Participate in all required compliance training (e.g., Bank Secrecy Act/anti-money laundering)
Attend internal and external training programs, meetings, and seminars
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 accommodations may be made to enable individuals with disabilities to perform the essential functions.
Apply Now
United Community Bank is seeking a dedicated and experienced Regional Credit Manager. In this role, you will work closely with Commercial Relationship Managers, Underwriters, Sales Managers, and Regional Presidents to ensure high credit quality through the loan approval and portfolio management process. Your primary responsibility will be commercial credit decisioning, where you will play a crucial role in maintaining the integrity and quality of our loan portfolio.
Join our team and contribute to the success of United Community Bank by leveraging your expertise in credit management and your ability to collaborate effectively with various stakeholders.
Job Functions
Credit Decisioning and Approval
Commercial credit decisioning for a $1 Billion loan portfolio (deal size $1MM-$10MM, medium to high complexity, C&I and CRE)
Approve credits in a timely and efficient manner to meet customer expectations
Serve as gatekeeper for approval of larger credits above assigned credit authority
Risk Management
Protect the bank's assets through proper execution and administration of risk management policies and procedures
Accountable for quality approval decisions and overall quality of the assigned loan portfolio
Lead role in monitoring credit quality, including portfolio risk ratings and oversight of criticized asset and portfolio review meetings
Collaboration and Advisory
Work with Commercial Lending teams and Bank/Regional Presidents to promote the credit culture of United Community Bank
Acts in an advisory and referral role to Lenders and Analysts in matters of compliance, regulation, and policy
Policy and Training
Recommend changes in underwriting and policies where appropriate
Assist in training new analysts, underwriters, lenders, and ongoing training of policies, procedures, and culture
Education and Experience Requirements
Education
College degree or equivalent; Graduate degree preferred
Experience
Minimum 10 years in a regulatory or commercial lending background (with at least 8 years in commercial lending)
Commercial Relationship Manager experience preferred
Supervisory and managerial experience preferred
Skills
Strong analytical skills with problem-solving abilities
Excellent organizational, interpersonal, and communication skills
Good working knowledge of legal, documentation, and administrative aspects of Commercial Lending
Other Requirements
In-market presence and regular travel between supported locations
Participate in all required compliance training (e.g., Bank Secrecy Act/anti-money laundering)
Attend internal and external training programs, meetings, and seminars
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 accommodations may be made to enable individuals with disabilities to perform the essential functions.
Apply Now