Portfolio Manager II-SBCRE

As the Small Balance Commercial Real Estate (SBCRE) Portfolio Manager II, you are tasked with executing all portfolio management activities for monitoring, identifying, and managing the credit risk of the SBCRE portfolio which generally consists of loan transactions ranging from $1,000,000 to $5,000,000. The Portfolio Manager will individually engage in active portfolio management responsibilities ensuring timely, high-quality work product in analysis of borrower and guarantor financial statements, annual reviews, performance covenant testing, extensions, renewals, modifications and risk rating assessment. 

How you’ll spend your time: 

• 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. 

We’re excited to talk to you if: 

• You possess a Bachelor’s degree in Business, Accounting, Finance, Real Estate or related fields. 

• You have 3+ years commercial real estate experience including credit analysis/underwriting. 

• You hold a current valid driver’s license. 

• You demonstrate excellent communication skills (verbal & written). 

• You demonstrate excellent level of understanding of credit underwriting of all major investment CRE property types. 

• You demonstrate ability to understand and interpret policies/procedures, contracts, loan documents, credit reports, financial statements, and property reports. 

• You demonstrate excellent analytical skills, including underwriting of CRE properties and markets; and guarantor financial statements, including real estate schedules. 

• You demonstrate expert knowledge and understanding of how to process, structure, and renew/extend maturing loans. 

• You demonstrate strong knowledge of bank products, services, and bank operations. 

• You demonstrate ability to be self-starter, show initiative, and transfer knowledge to less experienced peers. 

• You demonstrate proficiency in Word, Excel, PowerPoint. 

• You demonstrate knowledge of commercial lending software. 

Bonus points if: 

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

• You have the ability to prospect and network at various levels within a company and industry. 

• You have the ability to conduct global cash flow (GCF) analysis of borrowers and guarantors utilizing tax returns, credit reports, and personal financial statements. 

• You have advanced Excel skills - can create Pivot tables, conduct V&H Lookup; Simple Macros, etc. 

• You are familiar with FIS Loan Accounting System.