Client Manager - Asset Based Lending

UMB Financial Corporation; Dallas (TX); Presencial; USD 141 000 - 208 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Paid Time Off

401(k) matching

Annual incentive pay

Paid holidays

Medical, dental, vision insurance

Health savings accounts

Flexible spending accounts

Dependent care accounts

Adoption assistance

Employee assistance program

Fitness reimbursement

Tuition reimbursement

Associate wellbeing program

Associate emergency fund

Various banking benefits

Resumo da oferta

UMB Financial Corporation is seeking a Client Manager within its Asset Based Lending team in Dallas. You will cultivate long-term relationships with borrowers’ key decision makers and work with collateral analysts and field examiners to ensure proper documentation and ongoing facilities management.

You will monitor loan performance, credit compliance, and risk exposures while gaining a deep understanding of borrowers’ cash flow needs to drive profitability and informed credit decisions.

Qualificações

• Bachelor’s degree or equivalent work experience up to 2 years in Asset Based Lending.
• Experience working face to face with clients in a client interfacing role.
• Thorough knowledge of acceptable asset based lending standards and practices.
• Working knowledge of financial statements and budgets.
• Proficiency with Word, Excel and Outlook.
• Ability to handle confidential information.

Responsabilidades

• Understand client needs, loan structures, collateral, documentation and financial performance.
• Use credit and underwriting skills to recommend modifications and facility structures.
• Assign borrower risk rating and suggest changes based on performance.
• Complete reviews of monthly financial statements, covenants, collateral reports, verifications and analyses.
• Review and approve daily advance requests based on collateral and credit status.

Conhecimentos

Client interfacing

Financial statements

Budgets

Credit underwriting

Asset Based Lending knowledge

Microsoft Office

Confidential information handling

Formação académica

Bachelor’s degree or equivalent (2 years in ABL)

Ferramentas

Microsoft Office

Descrição da oferta de emprego

As one of UMB’s commercial lending verticals, the team is responsible for growing the Asset Based Lending loan portfolio, and selling other related revenue generating services to clients. The team is made up of Business Development Officers (Originators), Underwriters, Client Managers, Collateral Analysts and Field Examiners. This team manages Asset Based Loans throughout its life cycle – developing meaningful connections with leadership of the companies they serve. Always mindful of the changes in the company, its industry, etc., over time that might create a change in their financial service needs.

As the Client Manager, you will work directly with an Asset Based Lending Client Portfolio building long term relationships with key decision makers of assigned borrowers and prospects. You will work closely with the Collateral Analysts and Field Examiners to ensure proper documentation and facilities management is ongoing. You will play a critical role monitoring your assigned borrowers to ensure the loan is performing up to standard, monitoring credit, loan compliance, to protect UMB from potential exposures and to contribute to profitability. You will learn the borrower’s business and industry needs to better evaluate future cash flow. You have the ability to help clients achieve their financial dreams, stream line business processes and help them better understand theirworkingcash flow needs.

How you’ll spend your time:

• You will play a key role understanding client needs, their loan structures, loan requirements, collateral perfection, legal documentation, financial performance, potential loss exposures, industry trends to help mitigate exposure.
• You will utilize your credit and underwriting skills to recommend loan modifications reporting requirements and facility structures based on financial performance and risk ratings for assigned borrowers.
• Based on company performance, you will assign the borrower a risk rating, recommending and submitting potential changes to risk ratings based on company performance.
• You will complete timely reviews of monthly financial statements, financial covenant compliance, collateral reports, verification results, ABL trend analysis, and other relevant information to identify risk.
• Utilizing your credit background, you will review and approve daily advance requests from assigned borrowers in accordance with collateral availability, credit status, and approval authority.

We’re excited to talk with you if:

• You have a Bachelor’s degree or equivalent work experience of up to 2 years in a Asset Based Lending role.
• You have experience working face to face with clients in a client interfacing role.
• You can demonstrate thorough knowledge of acceptable asset based lending standards and practices.
• You can demonstrate working knowledge of the use of financial statements and budgets.
• You can demonstrate proficiency with all Microsoft Office programs including Word, Excel and Outlook.
• You can demonstrate ability to address and adhere to confidential information policies.
• Bonus points is: You have worked in portfolio management, and have experience in workout or bankruptcy.

Compensation Range: $141,354 - $207,900

The posted compensation range on this listing represents UMB’s good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors.

Please see the description of benefits included with this job posting for additional information.

• 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
• dependent care accounts
• adoption assistance
• an employee assistance program
• fitness reimbursement
• tuition reimbursement
• an associate wellbeing program
• an associate emergency fund
• various associate banking benefits

Benefit offerings and eligibility requirements vary.

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