Commercial Banker Development Trainee

UMB Financial Corporation; Kansas City (MO); On-site; USD 59,000 - 87,000; Full time

Benefits offered by this job

Paid Time Off

401(k) matching

Annual incentive pay

Paid holidays

Medical, dental, vision benefits

Health savings account

Dependent care accounts

Adoption assistance

Employee assistance program

Fitness reimbursement

Tuition reimbursement

Wellbeing program

Emergency fund

Associate banking benefits

Job summary

UMB Financial Corporation in Kansas City offers a 24-month Commercial Banker Development Program, a rotational, hands-on journey across the Commercial Division with real client exposure and leadership guidance. By program end, graduates are positioned for a high-impact role within commercial banking.

You will work with seasoned bankers on client projects, perform credit analyses, and rotate through markets, products, and functions while building a professional network and bank-wide understanding.

Qualifications

• Bachelor's degree in Business and/or related field
• Demonstrated leadership experience through school, at work and/or in the community

Responsibilities

• Partner with seasoned commercial bankers on client projects, deal analysis and credit evaluations.
• Rotate across key business areas to build understanding of bank operations.
• Engage with leaders through mentorship sessions, roundtables and learning projects.
• Grow your network by representing the bank at business and community functions.
• Develop expertise in analyzing financial statements, assessing credit requests, and preparing credit information.
• Own growth by leveraging experience and performance to secure a permanent placement.

Skills

Curious mindset

Driven

Collaborative problem solver

Analytical thinking

Strong communication

Self-starter

Positive attitude

Microsoft Word

Microsoft Excel

Microsoft Outlook

Learn bank policies

Education

Bachelor's degree in Business or related field

Leadership experience

Tools

Microsoft Word

Microsoft Excel

Microsoft Outlook

Job description

24-Month Rotational Experience | Build the Future of Banking! Are you ready to launch a meaningful and rewarding career in commercial banking? Our Commercial Banker Development Program is a 24-month, hands‑on journey designed to build the next generation of commercial banking leaders. Participants will gain exposure to business lines across the Commercial Division through market visits, work with real clients, exposure to diverse industries, and guidance from senior leadership. By the end of the program, graduates are positioned to step into a challenging, high-impact role within our commercial banking team – ready to help businesses grow and communities thrive.

What you’ll do

• Immerse yourself in real banking work: Partner with seasoned commercial bankers on client projects, deal analysis and credit evaluations.
• Rotate across key business areas: Experience different markets, products, and functions to build a full understanding of how the bank operates.
• Engage with leaders: Develop and enhance your skills through roundtables, mentorship sessions, and action learning projects.
• Grow your network: Represent the bank at business and/or community functions, as well as participate in networking groups
• Develop your expertise: Learn to analyze financial statements, assess and facilitate credit requests, prepare credit information, personal and business financial statements, while ensuring adequate loan documentation, loan structuring, and pricing
• Own your growth: upon completion, leverage your experience, relationships, and performance to secure a permanent placement in the organization.
• Ad hoc duties and/or projects as assigned

What you bring

• A curious, driven, and collaborative problem solver.
• Strong analytical and critical thinking skills
• Excellent written and verbal communication. Able to connect with clients and colleagues alike.
• A motivated, organized, self‑starter
• Ready and able to tackle new challenges with a positive attitude
• Strong proficiency with Microsoft Word, Excel and Outlook
• Ability to learn and become familiar with bank’s policies and practices regarding authorized use of credit information

Qualifications

• An innate self‑starter with a high degree of curiosity and resilience
• Bachelor's degree in Business and/or related field
• Demonstrated leadership experience through school, at work and/or in the community

Markets hiring for this program: Albuquerque, New Mexico Colorado Springs, Colorado Des Moines, Iowa Fresno, California Lubbock, Texas Midland/Odessa, Texas Rockford, Illinois Springfield, Missouri

*Application deadline; December 1, 2026 *First 6 months of program consists of training in Kansas City

This position was posted on 09/08/2026.

The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range: $59,085 - $86,922

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.

Benefits

• 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, 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? You're more than a means to an end—a way to help us meet the bottom line.

UMB isn't comprised of workers, but of people who care about their work, one another, and their community.

Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about.

Expect more trust. We want you to do the right thing, no matter what.

And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.

UMBer and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment 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 federal, state, or local law.

If you need accommodation for any part of the employment process because of a disability, please send an e‑mail to [e-mail] to let us know the nature of your request.

If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.

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