UMB BANK NA

Compensation

Full Description

This role is responsible for assisting Real Estate Group (REG) Lenders in the analysis of new REG loan opportunities and Portfolio Managers (Levels 1, 2 & Sr) in various REG portfolio management activities. Real Estate Group (REG) loans generally consist of non-owner occupied CRE loans. Key highlights of the role will include the following: Partner with Relationship and Portfolio Managers to effectively administer the underwriting and risk management of a variety of REG loan relationships; Request financials from Borrowers and clear associated ticklers; Monitor and document covenant compliance in Capital Stream; Work within protocols and maintain tracking of documentation exceptions, past dues, and covenant exceptions; Create finance request and upload incoming loan applications and related loan documents to Capital Stream; Assure applications are complete; For incomplete applications, communicate with UMB sales associate to collect missing loan application checklist items; Forward complete applications to underwriting; Manage Group Mailbox inquiries and respond in timely fashion; Assist in monitoring and collection of past due loan payments; Complete financial spreads upon receipt in Moody’s; inform Portfolio Manager when covenant test is ready to complete; Assist in spreading for all regions as requested; Review loan documentation prior to closing for discrepancies from the original approval, communicate any discrepancies and input covenants into Capital Stream after closing, and deactivate covenants as loans pay off; Write approval memos should changes to reporting requirements be necessary after loan closing; 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; Assist as needed with appraisal service requests and environmental requests and coordinate with appropriate parties throughout the appraisal and environmental process; Pull Thomson Reuters reports, create customers and requests in Capital Stream, assist in closing process, assist in setting up ShareFile for customers and download/organize documents when requested by REG lenders, Portfolio Managers, the REG Portfolio Administration Manager or the REG regional manager; Other duties as assigned. Must have Bachelor’s degree and 1+ years banking or equivalent regulatory/bank policy experience; Current valid driver’s license; Strong communication skills (verbal & written); Understanding of credit underwriting; Ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents; Knowledge of bank products, services, and bank operations; Ability to be self-starter and show initiative; Proficiency in Word, Excel, PowerPoint; and familiarity with commercial lending software Compensation Range: $49,510.00 - $95,170.00 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 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 for having multiple careers here and having their voices heard. UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to talentacquisition@umb.com to let us know the nature of your request. If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB. 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