HireMO

Hybrid

St. Louis MO

Full time

R-9350

As the Portfolio Manager II - Real E s tate Group you will be tasked with executing all portfolio management activities for monitoring, identifying, and managing the credit risk of the CRE portfolio which generally consists of loan relationships greater than $2,000,000. The Portfolio Manager will manage the associated credit risks of an assigned CRE loan portfolio which includes analysis of borrower and guarantor financial statements, annual reviews, performance covenant testing, extensions, modifications, and non-performing loan management.

How you'll spend your time:

+ You will partner with Relationship Managers to effectively lead the oversight and management of an assigned portfolio of CRE loans/relationships.

+ You will focus on management of an assigned portfolio of existing loans.

+ You will perform credit underwriting duties for existing client relationships for assigned portfolio, which may include but are not limited to the following: perform detailed credit analysis to complete annual reviews and/or modifications/extensions to determine borrower/guarantor repayment capacity, appropriate loan structuring recommendations, collateral analysis on multiple asset classes and preparation of pricing models suitable for each credit request.

+ 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 monitor and document covenant compliance in accordance with loan documents and bank policy on a timely basis.

+ You will follow established protocols to monitor and cure when possible documentation exceptions, past due financial reporting and performance covenants.

+ 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.

+ You will fully analyze and confirm financial covenant compliance, analyze payment performance benchmarks and perform regular financial reviews.

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

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

W e're excited to talk with 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.

+ Or,you have a combination of education and experience that provide an equivalent background.

+ You hold a current valid driver's license.

+ You have an excellent level of understanding of credit underwriting of all major investment CRE property types.

+ You have the ability to understand and interpret policies/procedures, contracts, loan documents, credit reports, financial statements, and property reports.

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

+ You have a great depth of knowledge and understanding of how to process, structure, and renew/extend maturing loans.

+ You have knowledge of bank products, services, and bank operations.

+ You are a self-starter, show initiative, and transfer knowledge to less experienced peers.

+ You haveproficiency in Word, Excel, PowerPoint.

+ You have 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 are able to prospect and network at various levels within a company and industry.

+ You understand how to conduct global cash flow (GCF) analysis of borrowers and guarantors utilizing tax returns, credit reports, and personal financial statements.

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

+ You are familiar with FIS Loan Accounting System.

This position was posted on 09/03/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range:

$81,864 - $120,406

_The posted compensation range on this listing represents UMB's good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. Please see the description of benefits included with this job posting for additional information._

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.

Are you ready to be part of something more?

You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.

_UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _talentacquisition@umb.com_ _to let us know the nature of your request._

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