Okay, I've searched for Portfolio Manager positions in Hiram, GA within the financial services industry, requiring a Bachelor's degree, 3+ years of experience, and full-time availability. I have found 27 positions for you.

Sure. Here's the analysis:

Job Analysis:

The Portfolio Manager role is fundamentally designed to ensure the health, growth, and quality of a designated commercial loan portfolio through rigorous underwriting, credit risk assessment, and proactive portfolio management. This position requires balancing analytical rigor — such as analyzing financial statements, tax returns, and loan documentation details — with strong interpersonal skills to collaborate seamlessly with commercial lenders, treasury teams, and clients. Success in this role hinges on precision in preparing credit request packages and recommended loan structures that comply with regulatory and internal policy standards while driving business growth through fee generation and relationship building. The candidate must be well-versed in credit policy and loan lifecycle management, as they will manage renewals, covenant tracking, and delinquency issues. Navigating complex financial data and market nuances to gauge creditworthiness and risk is vital, as is the ability to influence and maintain cross-functional partnerships. The role demands a proactive, self-motivated professional who thrives in a fast-paced, client-facing environment and can act autonomously with strong judgment, particularly when handling loan exceptions and resolving emerging risks. Early success would likely be characterized by helping grow portfolio revenue, maintaining high credit quality, and fostering strong internal and external relationships.

Company Analysis:

United Bank is a well-established community bank with deep roots and a significant regional presence spanning the Mid-Atlantic and Southeast. This bank’s identity is anchored in its commitment to local decision-making, personalized customer service, and long-term relationship building — all within a framework of sound, secure, and sustainable banking practices. As a historical institution with 185 years' experience, United fosters a culture that embraces integrity, teamwork, and community care while encouraging continuous professional development among its employees. This role aligns with the bank’s strategic emphasis on balancing tradition with adaptive growth, leveraging technology and market insight without losing the personalized touch customers value. For candidates, this environment means being part of a mission-driven organization that expects a high degree of professionalism, community awareness, and a customer-focused mindset. The Portfolio Manager position sits at a vital intersection between risk management and business development within the bank and likely reports into commercial lending leadership or portfolio risk management. It offers visibility and influence across departments and with clients, requiring a collaborative attitude and alignment with United's inclusive culture. This is a strategic role to sustain credit quality and portfolio profitability while supporting the bank’s growth ambitions in its local markets.

Absolutely. Here are some mock interview questions that could come up:

• Behavioral: Tell me about a time when you identified a potential credit risk in a loan application and how you addressed it.
• Behavioral: Describe an occasion when you had to work closely with sales or lending teams to meet portfolio growth targets. How did you ensure alignment?
• Behavioral: Share an experience where you managed a delinquent account. What steps did you take, and what was the outcome?
• Behavioral: How have you handled a situation where there was ambiguity or incomplete information in an underwriting request? How did you proceed?
• Technical: Walk me through your process for conducting a full credit underwriting analysis for a commercial loan.
• Technical: How do you approach covenant tracking and what tools or methods have you used to ensure compliance?
• Technical: What financial statements and tax documents are most critical when assessing the creditworthiness of a commercial customer, and why?
• Technical: Explain how you stay current with lending policies and regulatory requirements and apply those changes to your portfolio work.
• Situational: Imagine you uncover inconsistencies in loan documentation late in the underwriting process that could delay closing. How would you handle this?
• Situational: You learn that a key loan renewal is at risk due to deteriorating financial performance of the borrower. What steps do you take to mitigate risk and support the lender?
• Situational: Suppose your lender partner wants to push through a deal that you believe carries more risk than acceptable. How do you navigate this disagreement?
• Company Fit: What motivates you to work specifically at a community bank like United, with its focus on personalized service and local decision-making?
• Company Fit: How do your professional values and approach align with United Bank’s core values of integrity, teamwork, and caring for the community?
• Company Fit: United emphasizes continuous learning and innovation within a community-focused culture. How do you see yourself contributing to and thriving in this environment?
• Candidate Questions: Can you describe how the Portfolio Manager collaborates with other departments like treasury and commercial lending on a daily basis?
• Candidate Questions: What are the key challenges United Bank is currently facing in managing its commercial loan portfolio?
• Candidate Questions: How does United Bank support professional development and knowledge growth for Portfolio Managers within its lending teams?