Credit Analyst

umb; Kansas City (MO); On-site; USD 51,000 - 75,000; Full time

Benefits offered by this job

Paid Time Off

401(k) matching

Annual incentive pay

Paid holidays

Medical, dental, vision insurance

Health savings

Flexible spending

Dependent care accounts

Adoption assistance

Employee assistance program

Fitness reimbursement

Tuition reimbursement

Associate wellbeing program

Associate emergency fund

Associate banking benefits

Job summary

UMB Commercial Banking & Lending seeks a Credit Analyst to analyze borrowers’ credit standings and account relationships. You will create formal credit write ups and analyze complex loan details, supporting timely decisions for the Discount Committee.

The role requires accuracy under deadlines and collaboration across teams. Requirements include a bachelor's degree in business or finance with accounting coursework, plus strong financial analysis and communication skills.

Qualifications

• Bachelor's degree in business or finance with 6 hours of accounting.
• Or any combination of education and experience that would provide an equivalent background.
• Demonstrates proficiency in Microsoft Word, Excel, Windows.

Responsibilities

• Produce formal credit write ups which summarize the borrower's credit.
• Analyze a commercial borrower's credit and account relationship with UMB.
• Work on complex loan write ups and produce reports on credit aspects.
• Present loan proposals to Discount Committee on a rotating basis.
• Assist during peak times and adapt to deadlines.
• Perform other duties as assigned.

Skills

Financial analysis

Written communication

Verbal communication

MS Word

MS Excel

Windows

Education

Bachelor's degree in business or finance with 6 hours of accounting

Tools

Microsoft Word

Microsoft Excel

Financial analysis tools

Job description

UMB Commercial Banking & Lending provides a comprehensive solution to commercial organizations of all sizes. On this Credit Analyst team, you gain the knowledge and skill to understand UMB's Commercial lending philosophy. You will gain broad understanding of loan processes and gain the skills needed to grow your career in UMB's Commercial Lending team.

As the Credit Analyst you will analyze commercial borrower's credit standing and account relationships with UMB and their specific industry through the creation of spreads and write-ups.

How you will spend your time:

• Produce formal credit write ups which summarize
• analyze a commercial borrower's credit and account relationship with UMB
• Work on the more complex loan write ups Produce reports pertaining to various aspects of credit
• Present loan proposals to Discount Committee on a rotating basis to
• assist during peak times
• Must be flexible as area can be deadline oriented
• Other duties as assigned.

We are excited to talk with you if:

• You have completed a bachelor's degree in business or finance with 6 hours of accounting at a collegiate level.
• OR any combination of education and experience that would provide an equivalent background

Bonus Points if you have:

• Demonstrates proficiency in Microsoft Word, Excel, Windows
• Demonstrates comprehension and application of financial analysis skills
• Must have gained the relevant knowledge and experience to be able to handle the most complex credit write ups with minimal guidance and minimal errors
• Demonstrates ability to work with all levels of associates in various areas of the Bank, by phone and in person
• Demonstrates strong written & verbal communication skills

This position was posted on 10/13/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range:

$51,291 - $75,460

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.

UMB offers competitive and varied benefits to eligible associates , such as

• 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
• 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.

UMB 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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