Portfolio Mgr II - REG

UMB Bank•Kansas City, MO

12h

About The Position

The Portfolio Manager II in the Real Estate Group executes portfolio management activities to monitor, identify, and manage credit risk in a commercial real estate (CRE) portfolio, generally consisting of loan relationships greater than $2,000,000. The role manages credit risks for an assigned portfolio of CRE loans, including analysis of borrower and guarantor financial statements, annual reviews, performance covenant testing, extensions, modifications, and non-performing loan management. The position partners with Relationship Managers to oversee and manage assigned CRE loan relationships and performs credit underwriting for existing clients. This includes completing credit analyses and annual reviews; evaluating modifications and extensions; assessing repayment capacity, loan structure, collateral, and pricing; and preparing credit packages for committee review. The Portfolio Manager monitors covenant compliance, documentation exceptions, financial reporting, and payment performance, and identifies early warning signs. The role also provides recurring service to existing and prospective clients and performs other assigned projects and duties.

Requirements

Bachelor’s degree in Business, Accounting, Finance, Real Estate, or a related field, or an equivalent combination of education and experience.
At least 3 years of commercial real estate experience, including credit analysis or underwriting, or an equivalent background through a combination of education and experience.
Current, valid driver’s license.
Strong understanding of credit underwriting for 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 CRE properties and markets and analyzing guarantor financial statements, including real estate schedules.
Strong knowledge of processing, structuring, renewing, and extending maturing loans.
Knowledge of bank products, services, and operations.
Self-starter who shows initiative and transfers knowledge to less experienced peers.
Proficiency in Word, Excel, and PowerPoint.
Knowledge of commercial lending software.

Nice To Haves

At least 5 years of commercial real estate experience, including credit analysis or underwriting, and at least 2 years of commercial banking experience.
Ability to prospect and network at various levels within a company and industry.
Understanding of global cash flow analysis for borrowers and guarantors using tax returns, credit reports, and personal financial statements.
Advanced Excel skills, including PivotTables, VLOOKUP/HLOOKUP, and simple macros.
Familiarity with the FIS Loan Accounting System.

Responsibilities

Partner with Relationship Managers to oversee and manage an assigned portfolio of CRE loans and relationships.
Manage an assigned portfolio of existing loans and associated credit risks.
Perform credit underwriting and detailed credit analysis for existing client relationships, including annual reviews, modifications, and extensions.
Assess borrower and guarantor repayment capacity and recommend appropriate loan structures.
Analyze collateral across multiple asset classes and prepare pricing models for credit requests.
Prepare and present credit packages for credit and loan committee review and approval of annual reviews, modifications, renewals, and other requests, using Bank MIS.
Monitor and document covenant compliance in accordance with loan documents and bank policy.
Follow established protocols to monitor and, when possible, cure documentation exceptions and past-due financial reporting and performance covenants.
Identify and manage early warning signs by reviewing borrower, guarantor, and property financial performance upon receipt of monthly, quarterly, or annual reporting.
Analyze financial covenant compliance and payment performance benchmarks, and conduct regular financial reviews.
Provide recurring customer service to existing and prospective clients through joint sales calls with Relationship Managers or direct correspondence.
Perform projects and tasks as needed, maintain UMB TUCE, and carry out other duties as assigned.