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From energy to infrastructure to industries in between, Karin Cohen turns diversity into insight and relationships into impact. As a Commercial and Industrial Relationship Manager, she leads a team exposed to a wide range of sectors: “That is what sharpened our ability to craft adaptable and strategic financing solutions,” she says. Her UMTB journey began while she was living in Israel and looking to broaden her horizons with an international role until a LinkedIn job post caught her eye. The rest, as they say, is history. With over 16 years of banking experience, she combines deep financial expertise with something you can’t teach: powerful relationships. “That’s what I do best” she says, “building trust and long-term partnerships because at the end of the day, business is all about people”. It’s not just about numbers. It’s about people, vision, and trust Find out more about us >> https://www.umtbusa.com/ #UMTBUSA #BoldVision #CommercialBanking #IndustrialBanking

Laying the groundwork for the cloud to thrive with a $50M syndication deal powering a new #DataCenter in Cedar Creek, Texas. Spanning over 564,000 square feet, this facility will serve as a major hub in the data-driven economy - powering the cloud , supporting digital connectivity and the ever-growing demand for computing power. A big congratulations to Amir Morad, our U.S. Syndication Manager, for leading this #BoldVision with precision, dedication, and the bandwidth to bring it to life. #UMTBUSA #Energy #DataCenters #Texas #SyndicatedLoans

Advancing our growth journey with the successful closing of a $30 million syndicated construction loan. The refinancing supports the development of a 292-unit, mixed-use, multi-family high-rise property in Davie, Florida. This deal was made possible thanks to the #BoldVision of our #CRE team: Kevin K. Lee, Relationship Manager, and Oliver Anderson of Real Estate Banking. We’re proud to build the future together! #CommercialRealEstate #Multifamily #Refinance #UMTBUSA

Celebrating National Techies Day the best way we know how: backing the next #BoldVision with a $5M venture loan to a class-leading cyber security tech startup. This venture funding will extend the runway and boost growth to help our customer maintain their market leadership and shape a safer future for financial institutions. Kudos to Shai Avital and Avi Watson for playing a key role in financing the Israeli tech community in the US. #TechiesDay #UMTBUSA #TechBanking

Will AI dominate bonds in 2027? Most likely, yes. In a recent macro analysis, ‏Yonie Fanning, Chief Strategist at Mizrahi-Tefahot, points out that the surge in U.S. Treasury yields reflects a fundamental structural shift: massive AI-driven CapEx is generating unprecedented demand for electricity and putting growing pressure on energy infrastructure. Providing another point of view into the macroeconomic drivers behind this trend, Michael Vasalos, CPA, CFA notes that rising yields reflect economic capital absorption rather than short-term market shocks: "Q2 GDP grew at 2.2%, S&P 500 earnings are tracking +29% for Q3, and Big Tech projected spending is ~$700B+ this year, much of it borrowed long-term. Growth is steady, and it’s funded. The Fed’s latest Beige Book shows data centers, power, and defense doing the heavy lifting while consumer spending holds flat. With unemployment at 4.2%, the economy can carry 5%+ yields over the next 6-12 months. For project lenders, higher rates don’t kill deals, they selectively sort them. Required returns continue to be met where the tenant is investment-grade, the lease pays down construction debt, and power is secured. We underwrite the contract, not the cycle." Looking at this environment through a long-term financing lens, Amir Morad explains why project execution and risk selection remain resilient: "Data center and energy projects are not short-term plays. The projects we finance take years to develop and are built out in phases over a multi-year horizon. Because of this long-term view, they are largely insulated from short-term, frequent fluctuations in the Treasury yield curve. The real question is: Do the sponsors and hyperscalers committing to these massive CapEx figures still believe these investments will generate outsized returns in a higher-yield environment? Absolutely, yes. We don't pretend to have a crystal ball. That is precisely why our strategy is to participate only in syndications with the strongest credit metrics and robust risk mitigants. Given our strong positioning in the market today, we have the luxury of being highly selective." AI is reshaping the yield environment. For project lenders financing the infrastructure behind it, the key is maintaining a long-term view, structuring for uncertainty, and choosing opportunities with discipline. Follow us for more professional insights on the forces shaping project finance, energy infrastructure, and data center development! #UMTBUSA #ProjectFinance #DataCenters #AIInfrastructure #RiskManagement #BankingStrategy #MacroEconomics #YieldCurve

Battery energy storage systems play an increasingly important role in building a cleaner energy future. By storing electricity in rechargeable batteries and releasing it when demand rises, these systems help ensure that power is available when and where it is needed, providing the stability and capacity that modern energy markets require. This $50,000,000 syndicated construction financing, led by Amir Morad and Rehan Syed, supports the construction of a battery energy storage project in Houston, Texas, developed by a leading developer and operator of utility-scale battery energy storage systems across the United States. The deal reflects both the growing importance of energy storage within the nation’s evolving infrastructure and our team’s ability to draw on a deep understanding of the energy market and its changing needs to deliver timely, precisely structured financing solutions that support our clients’ growth. #UMTBUSA #ProjectFinance #EnergyStorage #RenewableEnergy #InfrastructureFinance #CleanEnergyTransition #TexasEnergy #BoldVision