Portfolio Team Lead Real Estate Group

As thePortfolio Manager TeamLeadyouareresponsible formanaging a regional team of Commercial Real Estate Portfolio Managers who are tasked with executing all portfolio management activities for monitoringidentifying and managing the credit risk of the Investment CRE portfolio which consists of loan relationships greater than $5000000.

This position will develop a team of Portfolio Managers as well as individually engage in active portfolio management responsibilities ensuringtimely high-quality work product in analysis of borrower and guarantor financial statements annual reviews performance covenant testing extensions renewals modifications and risk rating assessments.

Howyoullspend your time:

• You will assist in the acquisition retention and development of CRE Portfolio Managers with varying levels of experience.

• Youwill formallymanage guide mentor andcoachin both technical and professional skills.

• You will foster a collaborative team culture that emphasizes credit qualityaccountabilityand professional growth.

• You willmonitorteam performanceallocateworkloadand ensuretimelycompletion of credit deliverables.

• You willenforceindividual and team performance goals necessary tocomply withportfolio management standards.

• You will proactivelymonitorand manageteamsperformanceutilizingmanagement reports such as coming due and past due reports on annual reviews covenants exceptions et al.

• You will perform credit risk analysis to recognize and elevate signs of risk in an individual loan relationship or the portfolio through completion of the recurring portfolio manager tasks which include: analyzing borrower/property and guarantor financial performance upon receipt of reporting; preparing annual reviews modifications and various memos for approval; and determining appropriate risk ratings.

• You will confirm compliance with performance covenants as defined in contractual agreements and as compared to underwritten expectations.

• You willnotify Relationship Manager and / or internal legal counsel to ensuretimelynotice is delivered to Borrowerin the event ofa breach andmaintainoversight of breach through resolution.

• You will partner with Relationship Managers to effectively support assignedInvestment Commercial Real Estate relationships.

• You will provide recurring customer service to clients which includes directcontact with customers either throughparticipation in joint calls with Relationship Managers or direct correspondence.

• You will perform various projects / tasks as needed with an emphasis onmaintaining UMB TUCE at alltimes.

• Other duties as assigned.

Wereexcited to talk to you if:

• Youpossessabachelors degree in business AccountingFinanceor related fields.

• You have7 yearsofcommercial banking/finance experience (including 5 years of specific commercial realestate experience) including credit underwriting.

• You have a current valid driverslicense.

• You have excellent communication skills (verbal& written).

• You have expert knowledge & understanding in how toidentifyand process maturing loans line renewals term loansthat need to be extended how loans can be restructuredapproval process change terms new underwriting etc.

• You have an expert level of understanding of credit underwriting of all major investment CRE property types.

• You have a depth ofknowledge of bank products services and bank operations.

• You have the ability to interpret policies/procedures loan contracts and understanding of credit reports financialstatementsand loan documents.

• You haveanalytical skills including underwriting of CRE properties andmarkets;and guarantor financial statements including real estate schedules.

• You are aself-starter show initiative and transfer knowledge to less experienced peers.

• You showproficiencyin Word Excel PowerPoint.

• You haveworked incommercial lending software.