Portfolio Manager I - REG

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

Benefits offered by this job

Paid Time Off

401(k) matching program

Annual incentive pay

Health insurance

Job summary

UMB is seeking a Portfolio Manager I to support Real Estate Group (REG) Lenders and Portfolio Managers in analyzing CRE loan opportunities and in portfolio management activities. You will perform credit analysis, covenant monitoring, annual reviews, assist with loan proposals, collateral analysis, and pricing models; maintain documentation, and provide ongoing customer service.

A Bachelor's degree and 1+ years banking experience are required.

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 and communication skills and understanding of credit underwriting.
• Ability to interpret policies, loan contracts and credit reports.

Responsibilities

• Partner with REG Lenders and Portfolio Managers to administer REG banking relationships.
• Perform credit analysis, covenant monitoring and annual reviews for client relationships.
• Assist in loan proposals, collateral analysis and pricing/risk rating models.
• Monitor covenant compliance and maintain documentation in Capital Stream and Optimist.
• Provide ongoing customer service and ensure regulatory compliance and reporting.

Skills

Analytical skills

Communication skills

Credit underwriting understanding

Self-starter

Education

Bachelor's degree in Business/Accounting/Finance/CRE

Tools

Microsoft Word

Microsoft 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.

We are excited to talk with you if:

• 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

Bonus Points if you have:

• 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

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:

$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.

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 to have multiple careers here and have their voices heard.

UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and