Credit Analyst Sr

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

Job summary

UMB Commercial Banking & Lending seeks a Senior Credit Analyst to analyze borrowers’ credit standing and relationships, producing rigorous write-ups and financial spreads. You will guide junior analysts and contribute to department review processes.

The role emphasizes complex credit analysis, SME expertise, and cross-team collaboration. Demonstrated mastery of financial analysis and strong written and verbal communication are essential, with proficiency in Capital Stream and loan accounting

Qualifications

• Bachelor’s degree in business administration, finance or accounting.
• Minimum of 6 hours of accounting.
• 2+ years credit analysis or related accounting/financial services experience.
• Demonstrates mastery and proper application of financial analysis skills.
• Proficient in all credit analysis skills with the ability to handle complex write-ups.

Responsibilities

• Generate formal credit write-ups analyzing borrower creditworthiness and relationships.
• Complete spreads, financial and industry analysis, and written narrative.
• Become SME in at least one lending vertical (ag/energy/CRE, etc.).
• Assist with training materials and department workflow management.
• Prepare monthly/quarterly reports (Board Report, Reg O, Supervisory LTV).
• Rotate through other bank partner departments for development opportunities.

Skills

Credit analysis

Financial analysis

MS Office

Written & verbal communication

Capital Stream

Loan accounting systems

Team collaboration

Education

Bachelor's degree in business administration, finance or accounting

6 hours accounting

2+ years credit analysis experience

Tools

Microsoft Excel

Capital Stream

Loan Accounting Systems

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 Sr , 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. This Senior Credit Analyst role will be assigned complex loan write-ups and will guide the training of less experienced analysts by providing timely review and appropriate feedback to the analyst and to the department manager.

How you'll spend your time:

• Generate formal credit write-ups which analyze a commercial borrower's creditworthiness and account relationship with UMB. This does include independently completing spreads, financial analysis, industry analysis, relationship description & profitability analysis and written narrative for the same. Write-ups are evaluated by loan officers and senior management.
• Become the department subject matter expert in at least one lending vertical (i.e. agricultural analysis, oil & gas (energy) lending, shared national credits, commercial real estate or others).
• Assist the department manager in the development and maintenance of training materials for the department; the management of the department workflow and assign incoming requests to analysts as needed; and provide backup to the overall management of the department when the manager is out of the office or as requested.
• Complete monthly and quarterly reports correctly and on-time. This includes but is not limited to: Board Report, Reg O, and Supervisory Loan to Value. The audience for these reports is the UMBF board of directions and other senior management.
• As available, there is potential for further development opportunities by satisfactorily completing working Rotations through other bank partner departments including but not limited to: Commercial Underwriting, Strategic Asset Management, Loan Administration, Loan Review, Business Banking Underwriting, Capital Markets, etc.

We're excited to talk with you if:

• Bachelors degree in business administration, finance or accounting
• Minimum of 6 hours of accounting
• 2-yeasr credit analysis or other applicable accounting or financial services experience
• Demonstrates mastery and proper application of financial analysis skills
• Proficient in all credit analysis skills, with the ability to handle complex credit write-ups
• Ability to appropriately provide constructive feedback to peers
• Demonstrates proficiency in Microsoft Word, Excel, Windows
• Demonstrates ability to work with diverse teams that encompasses all levels of associates from various areas of the Bank, by phone and in person
• Demonstrates strong written & verbal communication skills
• Demonstrates proficiency in Capital Stream and Loan Accounting Systems

Bonus Points if You Have:

• 3+-years credit analysis or other loan related experience
• Previous training experience

This position was posted on 08/31/2026. 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.

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, 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.

UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applican