Portfolio Manager I - REG

UMB Bank; Denver (CO); On-site; USD 68,000 - 100,000; Full time

Job summary

The Portfolio Manager I role at UMB Bank supports the Real Estate Group Lenders and portfolio managers in Denver, focusing on analysis of CRE loan opportunities and ongoing portfolio management. The position handles credit analysis, covenant monitoring, annual reviews, collateral evaluation, and documentation to sustain strong client relationships.

Ideal candidates bring 1+ years banking experience, strong analytical and communication skills, and proficiency with Word/Excel/PowerPoint.

Qualifications

• Bachelor’s degree in Business, Accounting, Finance, CRE or related fields.
• 1+ years banking or equivalent regulatory/bank policy experience including credit analysis.
• Current valid driver’s license.
• Demonstrates strong analytical skills.
• Demonstrates strong communication skills (verbal & written).
• Demonstrates strong understanding of credit underwriting.
• Ability to interpret policies, loan contracts, and credit reports and financial statements.
• Knowledge of bank products, services, and operations.
• Self-starter with initiative.
• Proficiency in Word, Excel, PowerPoint.
• Familiarity with commercial lending software.

Responsibilities

• Partner with REG Lenders and Portfolio Managers 2/3 to administer REG banking relationships.
• Perform credit analysis, covenant monitoring and annual reviews; prepare credit packages for approval.
• Assist in collateral analysis and pricing/risk models for credits.
• Monitor covenant compliance in Capital Stream and Optimist; track documentation exceptions.
• Identify warning signs and analyze borrower/guarantor financial performance as required.
• Provide recurring customer service and support joint sales calls with loan officers.
• File required reports and resolve related issues in a timely manner.

Skills

Analytical skills

Credit underwriting

Communication skills

Self-starter / initiative

Word

Excel

PowerPoint

Credit analysis

Ability to interpret policies

Industry/market analysis

Education

Bachelor’s degree in Business, Accounting, Finance, CRE or related fields

Tools

Word

Excel

PowerPoint

Commercial lending software

Job description

The Portfolio Manager I is responsible for assisting Real Estate Group (REG) Lenders in the analysis of new REG loan opportunities and Portfolio Managers (Levels 2 & Sr) in various REG portfolio management activities. Real Estate Group (REG) loans generally consist of non-owner occupied CRE loans $1,000,000 and greater.

How You Will Spend Your Time

• Partner with REG Lenders and Portfolio Managers 2/3 to effectively administer the management of a variety of REG banking relationships.
• Perform credit analysis, covenant monitoring and annual review duties for prospective/existing client relationships, which may include but are not limited to the following perform detailed credit analysis to determine borrower/guarantor repayment capacity,, provide detailed industry and market analysis, and complete credit packages for credit committee approval.. Assistance in the preparation of loan proposals, which will include collateral analysis on multiple asset classes and preparation of pricing and risk rating models suitable for each credit request.
• Assist in the monitoring/documentation of covenant compliance in Capital Stream and Optimist. Work within protocols and maintain tracking of documentation exceptions, past dues, and covenant exceptions.
• Recognize and elevate warning signs for any customer/loan on a timely basis, which may include but are not limited to the following analyze borrower/property/guarantor financial performance upon receipt of reporting requirements, either monthly, quarterly, semi-annually or annually. Fully analyze and confirm financial and tested covenant compliance, analyze performance trends against internal and industry standards; and perform annual reviews as scheduled.
• Provide recurring customer service to existing and prospective clients, which may include direct contact with customers either through participation in joint sales calls with loan officers or direct correspondence with clients and perform various projects/tasks as needed with an emphasis on maintaining UMB TUCE at all times.
• File all required reports, and resolve all related issues in a timely and efficient manner.

• Bachelor’s degree in Business, Accounting, Finance, CRE or related fields
• 1+ years banking or equivalent regulatory/bank policy experience including credit analysis
• Current valid driver’s license
• Demonstrates strong analytical skills
• Demonstrates strong communication skills (verbal & written)
• Demonstrates strong level of understanding of credit underwriting
• Demonstrates ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents
• Demonstrates knowledge of bank products, services, and bank operations
• Demonstrates ability to be self-starter and show initiative
• Demonstrates proficiency in Word, Excel, PowerPoint
• Demonstrates familiarity with commercial lending software

• 3 years banking or equivalent regulatory/bank policy experience (including 1+ years of specific commercial real estate underwriting experience
• Ability to prospect and network at various levels within a company

Compensation Range

$67,869 - $99,836

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.

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.

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