Sr. Commercial Real Estate Relationship Manager

What We Offer

Competitive and varied benefits to eligible associates, such as:

• Paid Time Off
• A 401(k) matching program
• Annuity 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
• Variety of associate banking benefits

Responsibilities

Serve as an expert on CRE loans for the market.

• Generate new CRE loan and cross-sell opportunities with new and existing clients as well as underwrite the collateral property, market and guarantor;
• Structure the loan;
• Prepare the loan approval package;
• Present the request to loan committee for consideration;
• Negotiate and document the loan in conjunction with the assigned Loan Closing Coordinator and outside legal counsel (as applicable).

Oversight and mentoring of junior CRE lender(s) in the market, which may include providing training as needed as well as participating in discussions re their loan opportunities and relationships, etc.

• 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, 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.
• Recommend risk rating adjustments as needed.

Represent UMB as the senior CRE lender in the market

Other duties as assigned.