Regional Credit Manager

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, Regional Presidents and State 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.

Credit Decisioning and Approval

• Commercial and CRE credit decisioning of deals up to $7.5MM. For larger deals this role will work alongside the Senior Credit Officer.
• Approve credits in a timely and efficient manner balancing between the bank’s credit risk appetite and the 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

• 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

• 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 accommodations may be made to enable individuals with disabilities to perform the essential functions.