Commercial Real Estate Underwriter II

Commercial Real Estate Underwriter II-Kansas City

This role is responsible for assisting Real Estate Group (REG) relationship managers in the assessment and underwriting of new REG Managed Investment CRE loans (non-owner occupied CRE loans $or greater) in accordance with established underwriting policies practices and standards.

How you will spend your time:

• Partner with REG relationship managers to perform credit underwriting duties for existing/prospective client relationships which may include but are not limited to the following:

  • perform detailed credit analysis to determine borrower/guarantor repayment capacity

  • appropriate loan structuring recommendations

  • complete all of or portions of the credit packages (as agreed with the relationship manager) for submission to credit committee for approval (new business and renewals)

• Preparation of underwriting documents will also include collateral analysis on multiple asset classes and preparation of pricing and risk rating models suitable for each credit request.

• Present loan submissions to the UMB senior loan committee on behalf of relationship managers and answer questions relative to the review and approval of the loan (as requested).

• Review appraisal upon receipt to confirm appraisal assumptions are in line with underwriting assumptions and satisfy any approval conditions.

• 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 and perform various projects/tasks as needed with an emphasis on maintaining UMB TUCE (The Unparalleled Customer Experience) at all times.

• File all required forms and reports and resolve all related issues in a timely and efficient manner.

• Work with team members in loan operations credit analysis regional commercial banking business banking special asset management group loan review public finance capital markets and international banking to coordinate commercial loan decisions the closing process plus ongoing commercial loan administration.

• Lead/participate in various REG underwriting related projects as available. May mentor less experienced REG underwriters and/or portfolio managers.

Were excited to talk to you if you have:

• Bachelors degree in business accounting finance or related fields

• 7 years of commercial banking experience (including 5 years of specific commercial real estate experience) including credit underwriting

• Excellent communication skills (verbal & written)

• Expert knowledge & understanding in how to identify and process maturing loans line renewals term loans that need to be extended how loans can be restructured approval process change terms new underwriting etc.

• Expert level of understanding of credit underwriting of all major investment CRE property types Demonstrates strong knowledge of bank products services and bank operations

• Ability to interpret policies/procedures loan contracts and understanding of credit reports financial statements and loan documents

• Strong analytical skills including underwriting of CRE properties and markets; and guarantor financial statements including real estate schedules

• Ability to be self-starter show initiative and transfer knowledge to less experienced peers

• Strong proficiency in Word Excel PowerPoint and commercial lending software

Compensation Range:

The posted compensation range on this listing represents UMBs standard for this role but the actual compensation may vary by geographic location experience level and other job-related addition this range does not encompass the full earning potential for this role. 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
Youre more than a means to an enda way to help us meet the bottom line. UMB isnt 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. Youll 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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