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.

• Partner with UMB relationship managers to perform credit underwriting duties for existing/prospective client relationships, which may include but are not limited to the following:
• Perform detailed credit analysis to determine borrower/guarantor repayment capacity
• Appropriate loan structuring recommendations
• Complete all of or portions of the credit packages (as agreed with the relationship manager) for submission to credit committee for approval (new business and renewals)
• Preparation of underwriting documents will also include collateral analysis on multiple asset classes and 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 relative to the review and approval of the loan (as requested).
• Review appraisal upon receipt to confirm appraisal assumptions are in line with underwriting assumptions and satisfy any approval conditions.
• Provide recurring customer service to existing and prospective clients, which includes direct contact with customers either through participation in joint sales calls with relationship managers or direct correspondence with clients and perform various projects/tasks as needed with an emphasis on maintaining UMB TUCE (The Unparalleled Customer Experience) at all times.
• File all required forms and reports and resolve all related issues in a timely and efficient manner.
• Work with team members in loan operations, credit analysis, regional commercial banking, business banking, special asset management group, loan review, public finance, capital markets and international banking to coordinate commercial loan decisions, the closing process, plus ongoing commercial loan administration.
• Lead/participate in various REG underwriting related projects, as available.
• May mentor less experienced REG underwriters and/or portfolio managers.

• Bachelor’s degree in business, accounting, finance or related fields
• 5+ years of commercial banking (including specific CRE) experience including credit underwriting
• Excellent communication skills (verbal & written)
• Expert knowledge & understanding in how to identify and process maturing loans, line renewals, term loans that need to be extended, how loans can be restructured, approval process, change terms, new underwriting, etc.
• Expert level of understanding of credit underwriting of all major investment CRE property types Demonstrates strong knowledge of bank products, services, and bank operations
• Ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents
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