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UMB Bank · 1 month ago

Portfolio Manager II-SBCRE

Kansas City MO

Full-time

Hybrid

Mid Level

$58K/yr - $124K/yr

3+ years exp

UMB Bank is a financial institution seeking a Small Balance Commercial Real Estate (SBCRE) Portfolio Manager II. The role involves executing portfolio management activities to monitor and manage credit risk for the SBCRE portfolio, including analyzing financial statements and preparing credit packages for loan committee review.

BankingFinanceFinancial Services

Responsibilities

You will perform credit risk analysis for existing client relationships in SBCRE portfolio to recognize and elevate signs of risk in an individual loan, relationship, or the portfolio, through completion of the recurring portfolio manager tasks, which include: analyzing borrower/property and guarantor financial performance upon receipt of reporting; preparing annual reviews, modifications and various memos for approval; and determining appropriate risk ratings

You will prepare and present credit packages for credit and loan committee review and approval of annual reviews, modifications, renewals, and other requests as necessary, utilizing Bank MIS

You will complete detailed guarantor global cash flow analysis through review of personal financial statement and individual/business tax returns, assessing recurring income and debt capacity across multiple entities

You will confirm compliance with performance covenants as defined in contractual agreements and as compared to underwritten expectations and notify Relationship Manager and / or internal legal counsel to ensure timely notice is delivered to Borrower in the event of a breach and maintain oversight of breach through resolution

You will recognize and manage early warning signs for the portfolio on a recurring basis, which may include but are not limited to the following: analyze borrower / guarantor / property financial performance upon receipt of reporting requirements, either monthly, quarterly or annually. Fully analyze and confirm financial covenant compliance, analyze payment performance benchmarks and perform regular financial reviews

You will collaborate with Relationship Managers to efficiently lead the oversight and management of the Bank’s SBCRE loans / relationships

You will provide recurring customer service to clients, which includes direct contact with customers either through participation in joint calls with Relationship Managers or direct correspondence

You will perform various projects / tasks as needed with an emphasis on maintaining UMB TUCE at all times; other duties as assigned

Qualification

Credit analysisCommercial real estateFinancial statement analysisGlobal cash flow analysisCredit underwritingBank products knowledgeCommercial lending softwareAnalytical skillsWordExcelPowerPointCommunication skillsSelf-starter

Required

Bachelor's degree in Business, Accounting, Finance, Real Estate or related fields

3+ years commercial real estate experience including credit analysis/underwriting

Current valid driver's license

Excellent communication skills (verbal & written)

Excellent level of understanding of credit underwriting of all major investment CRE property types

Ability to understand and interpret policies/procedures, contracts, loan documents, credit reports, financial statements, and property reports

Excellent analytical skills, including underwriting of CRE properties and markets; and guarantor financial statements, including real estate schedules

Expert knowledge and understanding of how to process, structure, and renew/extend maturing loans

Strong knowledge of bank products, services, and bank operations

Ability to be self-starter, show initiative, and transfer knowledge to less experienced peers

Proficiency in Word, Excel, PowerPoint

Knowledge of commercial lending software

Preferred

5+ years commercial real estate experience including credit analysis/underwriting, and 2+ years of commercial banking experience

Ability to prospect and network at various levels within a company and industry

Ability to conduct global cash flow (GCF) analysis of borrowers and guarantors utilizing tax returns, credit reports, and personal financial statements

Advanced Excel skills - can create Pivot tables, conduct V&H Lookup; Simple Macros, etc

Familiar with FIS Loan Accounting System