Underwriter II - Real Estate Group - Remote

Commercial Real Estate Underwriter II-Arizona Remote

This role is responsible for assisting UMB relationship managers in the assessment and underwriting of new SBCRE (Small Balance Commercial Real Estate) managed investment loans (non-owner occupied CRE loans $1,000,000 to $5,000,000) in accordance with established underwriting policies, practices and standards.

Responsibilities

• Partner with UMB relationship managers to perform credit underwriting duties for existing or prospective client relationships.
• Perform detailed credit analysis to determine borrower / guarantor repayment capacity.
• Provide appropriate loan structuring recommendations.
• Complete all or portions of the credit packages (as agreed with the relationship manager) for submission to credit committee for approval (new business and renewals).
• Prepare underwriting documents including collateral analysis on multiple asset classes and the preparation of pricing and risk rating models suitable for each credit request.
• Present loan submissions to the UMB senior loan committee on behalf of relationship managers and answer questions related to the review and approval of the loan (as requested).
• Review appraisal upon receipt to confirm appraisal assumptions align with underwriting assumptions and satisfy any approval conditions.
• Provide recurring customer service to existing and prospective clients, including direct contact with customers through joint sales calls with relationship managers or direct correspondence with clients, while maintaining UMB TUCE (The Unparalleled Customer Experience).
• File all required forms and reports and resolve related issues in a timely and efficient manner.
• Collaborate with loan operations, credit analysis, regional commercial banking, business banking, special asset management, loan review, public finance, capital markets and international banking to coordinate commercial loan decisions, the closing process, and ongoing commercial loan administration.
• Lead or participate in REG underwriting related projects as available.
• May mentor less experienced REG underwriters and / or portfolio managers.

Qualifications

Compensation

$69,230.00 - $149,000.00

The posted compensation range represents UMB’s standard for this role and may vary by geographic location, experience level, and other job-related factors. This range does not encompass the full earning potential for this role. Benefits information is provided with the job posting.

UMB offers competitive benefits to eligible associates, including Paid Time Off; a 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; 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?

UMB is committed to inclusion and diversity and provides employment opportunities 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 law. If you need accommodation for any part of the employment process due to a disability, please email talentacquisition at umb dot com to let us know the nature of your request.

If you are a California resident, please consider privacy notices provided for California job candidates to understand how personal information is collected and used when applying for employment with UMB.

Who we are

We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB’s vision and opportunities with a career at UMB.

#J-18808-Ljbffr