United Community Bank

• Generate new SBA loan business through prospecting, outside calling, networking, attending conferences, and developing new referral sources within the healthcare industry. • Originate and fund SBA 7(a) loans nationwide, with a primary focus on healthcare-related businesses. • Maintain and apply a thorough understanding of the bank’s credit policy, SBA eligibility requirements, and necessary business practices to ensure accurate and complete loan application packages. • Achieve 100% of established annual production goals by year-end, as determined at or near the beginning of each year. • Generate loans that maintain an acceptable level of credit performance. • Assist Special Assets and Credit Services with servicing actions as requested within the assigned marketing area. • Participate in all required compliance training, including Bank Secrecy Act and anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars or conferences. • Perform other duties as assigned.

• Responsible for ensuring the portfolio achieves soundness, probability, and growth objectives. • Provides portfolio management, credit, underwriting, and sales support for the SBA function. • Identifies, quantifies and mitigates underwriting risks inherent in an SBA lending function. • Responsible for analysis of new SBA credit opportunities, underwrite and collect client financial information. • Must be able to review loan documents, spread, analyze, and interpret businesses and financial statements. • Must be able to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks. • Must prepare and be able to present credit analysis packages through the credit approval chain with limited supervision. • Serve as secondary contact on client relationships for loan within the UCB branch footprint. • Evaluate and decision loan renewal requests for SBA Express Lines of Credit. • Actively manage past dues to minimize late payments. • Mentors SBA Servicing Portfolio Specialists and other Servicing team members. • Review portfolio loans approaching maturity and works with clients and/or bankers to get the necessary data in order to make an informed renewal decision. • Manage the loan portfolio for red flags and early warning signals of potential problem loans. • Work directly with clients and/or with UCB bankers or Special Assets Officers to devise an appropriate plan of action if/when the SBA loan is downgraded. • Assist with completing the initial CAR in preparation for the loan to transition to the Special Assets Department. • Complete an annual review on all borrowing relationships within the portfolios as outlined in the SBA Loan Monitoring procedures. • Complete any special project work. • Other duties as assigned.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description The Mortgage Loan Compliance Specialist conducts compliance monitoring for United Community Mortgage to ensure that regulatory requirements are met and completes special projects as instructed by the Director of Mortgage Compliance. - Conduct regular reviews of denied, withdrawn, and incomplete loan files—including AANs, disclosures, and dashboard reports—to ensure accurate documentation, regulatory compliance, and timely completion of the required second review fair lending process. - Complete and send denial/withdrawal disclosures and maintain appropriate file documentation. - Monitor Encompass daily dashboards, pipeline views, and daily and monthly automated reports to confirm proper loan type, purpose, address, and adherence to other various regulatory and departmental procedures for ECOA, TRID, and HMDA. - Respond to staff inquiries received through designated compliance mailboxes, providing guidance, support, and assistance with processes and documentation needs. - Ensure HMDA data accuracy by reviewing AI vendor reports, completing monthly/quarterly/annual batch edit and scrub reviews, and maintaining accurate HMDA LAR information, including unique loan types (CRA Purchases, Assumptions, Release of Liabilities, Repurchased Loans). - Maintain and update the UCMS HMDA Source Document list and departmental procedures. - Monitor the Notice of Incompleteness (NOI) process for regulatory compliance. - Review and respond to audit findings from UCB Compliance, Internal Audit, state/federal examiners, HUD, quality control vendor and other external parties. - Attend monthly meetings with UCB Compliance and compliance vendors to discuss current issues and processes. - Identify areas and advise where additional compliance training is needed; develop and participate in new-hire and ongoing training for MLOs and other mortgage employees. - Review mortgage-related social media posts to ensure compliance with regulations and company policy. - Stay informed on mortgage products, programs, investor guidelines, and regulatory requirements; complete all required training courses. Qualifications - 2+ years of experience in loan compliance required or the equivalent in mortgage experience - Excellent verbal and communication skills - HMDA/disclosure experience preferred - Excellent organizational and time management skills - Proficient at Word, Excel, with experience in Encompass and PowerPoint preferred Requirements - Must be able to pass a criminal background & credit check - This is a full-time remote position Benefits - FLSA Status: Non-Exempt - Pay Range: USD $38,769.00 - USD $57,876.00 /Yr. Company Description 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.

• Responsible for developing new and maintaining existing dealer relationships to generate lease/loan volume and profit • Ability to manage outbound/inbound calls, utilize contact management, application/credit and online portal/marketing systems • Understand Contract Documentation, Pricing, Credit and company policies and procedures • Make outbound lead and follow up calls to potential and existing dealers/end users • Handle inbound sales lead calls • Build and maintain dealer relationships • Overcome technical and business objections of prospective customers • Participate in trainings to develop global understanding of process • Maintain and develop relationships with key staff and management • Achieve monthly/quarterly sales quotas and activity requirements • Maintain account development sales funnel using contact management system • Generate sales quotes and set pricing for dealers and transactions • Enter credit applications and review decisions with the understanding of company policy • Create and deliver finance documents • Train dealers on all web technologies offered by Navitas

• Lead all aspects of local loan portfolio management, including annual reviews, covenant compliance, and collateral exceptions. • Collaborate with senior leadership to maintain appropriate risk profiles. • Manage and mentor a team of credit specialists, portfolio managers, and analysts. • Oversee the preparation of credit memos, spreads, and related documentation. • Participate in client calls, underwriting, credit presentations, and loan closings. • Identify and mitigate credit risks through sound analysis and recommendations. • Prepare commitment letters and review loan documentation. • Support cross-sell initiatives and coach team members on relationship development. • Assist lenders in prospecting and client engagement efforts.