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.

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