UMB Bank · 6 hours ago
Portfolio Manager II - REG
Denver, CO
Full-time
Onsite
Mid, Senior Level
$64K/yr - $137K/yr
3+ years expUMB Bank is seeking a Portfolio Manager II for their Real Estate Group to oversee and manage credit risks associated with a portfolio of commercial real estate loans. The role involves credit analysis, covenant compliance monitoring, and collaboration with Relationship Managers to ensure effective portfolio management.
BankingFinanceFinancial Services
Responsibilities
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
Qualification
Required
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 have proficiency in Word, Excel, PowerPoint
You have knowledge of commercial lending software
Preferred
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
Benefits
Paid Time Off
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
Various associate banking benefits
Company
UMB Bank
UMB Financial Corporation is a commercial bank that offers various financial services.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
$606.13M2025-05-29Post Ipo Equity· $294.53M
2024-04-29Post Ipo Equity· $201.6M
2022-09-23Post Ipo Debt· $110M
Leadership Team
Brian Hutchin
Executive Vice President, Director of Healthcare Services at UMB, Institutional Banking Division
Phillip Mason
President of Institutional Banking
Recent News
Life Insurance International
2026-01-15
2026-01-09
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