Portfolio Manager II – Commercial Real Estate

UMB Bank

. Monitor, identify, and manage credit risk for an assigned commercial real estate loan portfolio generally consisting of relationships greater than $5,000,000 .

Posted 9/21/2026full-timeDenver • Colorado • United StatesMid-LevelSenior💰 $81,864 - $120,406 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit risk management and analysis for commercial real estate loans, with a strong focus on underwriting, financial performance analysis, and compliance monitoring. Proficient in preparing credit packages and pricing models while maintaining effective communication with clients and stakeholders.

Highest-signal resume keywords

Credit Analysis/UnderwritingCommercial Real Estate ExperienceFinancial Statement AnalysisCovenant Compliance MonitoringAdvanced Excel Skills

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit Risk ManagementLoan StructuringGlobal Cash Flow AnalysisFinancial Covenant ComplianceAnalytical SkillsCRE Property UnderwritingDocumentation Exception ManagementPricing Model PreparationCredit Package PresentationCommercial Lending Software

Soft Skills

Excellent Verbal CommunicationExcellent Written CommunicationCustomer Service SkillsNetworking AbilityInterpersonal Skills

Tools & Technologies

WordExcelPowerPointFIS Loan Accounting System

Certifications & Qualifications

Bachelor’s Degree in BusinessBachelor’s Degree in AccountingBachelor’s Degree in FinanceBachelor’s Degree in Real Estate

Industry Keywords

Commercial Real EstateCredit RiskLoan DocumentsBank ProductsInvestment Property TypesFinancial ReportingCovenant ComplianceCredit ReportsGuarantor AnalysisCommercial Banking

About the role

Key responsibilities & impact

Monitor, identify, and manage credit risk for an assigned commercial real estate loan portfolio generally consisting of relationships greater than $5,000,000
Partner with Relationship Managers to oversee and manage assigned CRE loans and relationships
Perform credit underwriting for existing client relationships, including annual reviews and modifications/extensions
Analyze borrower and guarantor repayment capacity
Recommend loan structures and perform collateral analysis across multiple asset classes
Prepare pricing models for credit requests
Prepare and present credit packages to credit and loan committees
Monitor and document covenant compliance according to loan documents and bank policy
Monitor and cure documentation exceptions, overdue financial reporting, and performance covenant issues
Identify and manage early warning signs through recurring analysis of borrower, guarantor, and property financial performance
Analyze financial covenant compliance and payment performance benchmarks
Provide recurring customer service through joint sales calls and direct client correspondence
Perform other projects and tasks as needed

Requirements

What you’ll need

Bachelor’s degree in Business, Accounting, Finance, Real Estate or related fields
3+ years commercial real estate experience including credit analysis/underwriting
Current valid driver’s license
Preferred: 5+ years commercial real estate experience including credit analysis/underwriting
Preferred: 2+ years of commercial banking experience
Excellent verbal and written communication skills
Understanding of credit underwriting for major investment CRE property types
Ability to interpret policies/procedures, contracts, loan documents, credit reports, financial statements, and property reports
Excellent analytical skills, including CRE property and market underwriting and guarantor financial statement analysis
Expert knowledge of processing, structuring, and renewing/extending maturing loans
Strong knowledge of bank products, services, and operations
Proficiency in Word, Excel, and PowerPoint
Knowledge of commercial lending software
Ability to conduct global cash flow analysis using tax returns, credit reports, and personal financial statements
Advanced Excel skills, including PivotTables, VLOOKUP, and simple macros
Familiarity with FIS Loan Accounting System
Ability to prospect and network at various company and industry levels

Benefits

Comp & perks

Paid Time Off
401(k) matching program
Annual incentive pay
Paid holidays
Medical, dental, vision, and other insurance coverage
Health savings, flexible spending, and dependent care accounts
Adoption assistance
Employee assistance program
Fitness reimbursement
Tuition reimbursement
Associate wellbeing program
Associate emergency fund
Various associate banking benefits