Market Manager – On Premise
Pernod Ricard
Portfolio Manager II, Commercial Real Estate
UMB Bank
full-time
Posted on:
Location: Kansas, Missouri • 🇺🇸 United States
Visit company websiteSalary
💰 $57,760 - $124,170 per year
Job Level
Mid-LevelSenior
About the role
- Execute portfolio management activities for monitoring, identifying, and managing credit risk of CRE portfolio
- Manage credit risks of assigned CRE loan portfolio, typically loans > $5,000,000
- Partner with Relationship Managers to lead oversight and management of assigned CRE loans/relationships
- Perform credit underwriting duties for existing client relationships, including detailed credit analysis, annual reviews, modifications/extensions, repayment capacity assessment, loan structuring recommendations, collateral analysis, and pricing models
- Prepare and present credit packages for credit and loan committee review and approval
- Monitor and document covenant compliance per loan documents and bank policy
- Follow protocols to monitor and cure documentation exceptions, past due financial reporting, and covenant issues
- Recognize and manage early warning signs through recurring analysis of borrower/guarantor/property financial performance
- Provide recurring customer service and participate in joint sales calls with Relationship Managers
- Perform various projects/tasks as needed and other duties as assigned
Requirements
- 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
- Preferred: 5+ years commercial real estate experience including credit analysis/underwriting, and 2+ years of commercial banking experience
- Demonstrates excellent communication skills (verbal & written)
- Demonstrates excellent level of understanding of credit underwriting of all major investment CRE property types
- Demonstrates ability to understand and interpret policies/procedures, contracts, loan documents, credit reports, financial statements, and property reports
- Demonstrates excellent analytical skills, including underwriting of CRE properties and markets; and guarantor financial statements, including real estate schedules
- Demonstrates expert knowledge and understanding of how to process, structure, and renew/extend maturing loans
- Demonstrates strong knowledge of bank products, services, and bank operations
- Demonstrates ability to be self-starter, show initiative, and transfer knowledge to less experienced peers
- Demonstrates strong proficiency in Word, Excel, PowerPoint
- Demonstrates knowledge of commercial lending software
- 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
