Relationship Manager Sr - Commercial Real Estate Group

At UMB, we know that one size does not fit all, especially when it comes to Commercial Real Estate (CRE), which is why we’ve built a set of real estate solutions to serve our clients and a strong understanding of the unique cycles and challenges that can impact our clients, helping them achieve their financial goals.

From the initial prospect connection to continued portfolio management, Senior Commercial Real Estate Relationship Managers at UMB develop meaningful connections with the companies and communities they serve.  As a Sr. CRE Relationship Manager, you will develop and manage new CRE loan clients and deals, always aware of market data and trends in CRE, sourcing new deals in various commercial verticals and assisting in the expansion of UMB’s brand and market footprint.

The ideal candidate for this role would be someone who wants to take their prior experience and grow our Texas market into one of the top CRE offices for UMB.  This person is inspired by collaboration, has an entrepreneurial spirit, leads by example, and always looks for the next opportunity to grow UMB.  As our CRE footprint in Texas continues to grow, this opportunity offers a chance to strategically develop new business initiatives with leadership while building internal growth opportunities.

How you'll spend your time:

• You will serve as an expert on CRE loans for the market.
• As loan opportunities are presented you will underwrite the collateral property, market and guarantor; structure the loan; prepare the loan approval package; present the request to loan committee for consideration; and negotiate and document the loan in conjunction with the assigned Loan Closing Coordinator and outside legal counsel (as applicable).
• You will oversee of a portfolio of CRE loans, which includes the following responsibilities:
  • In conjunction with the Construction Loan Disbursement Group, review monthly construction loan draw requests to ensure construction remains on budget and on schedule.
  • In conjunction with the assigned REG Portfolio Manager, monitor the collateral property performance to ensure absorption, operating performance, etc. meet covenant requirements and are consistent with the approval and appraisal assumptions.
  • In conjunction with the assigned REG Portfolio Manager, prepare renewals, modifications (as applicable) and annual reviews of the loans.
• In conjunction with the assigned REG Portfolio Manager, you will perform regular reviews of property and guarantor financial condition to ensure the highest credit quality as well as the continued appropriateness of the risk rating.
• You will recommend risk rating adjustments as needed.
• Other duties as assigned.

We're excited to talk to you if:

• You have a Bachelor's degree or equivalent experience in related field.
• You have 7+ years of institutional commercial real estate lending and underwriting experience, demonstrating expert knowledge of CRE credit and underwriting.
• You demonstrate strong knowledge of bank products, services, and bank operations.
• You demonstrate the ability to prospect and network at various levels within the company.
• You demonstrate a strong connectivity with local commercial real estate development network.
• You are a self-starter and show initiative, managing your time and projects effectively.
• You have excellent communication and presentation skills.

Compensation Range:

Minimum: $99,750.00 - Maximum: $257,250.00

The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In 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?
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 qu