Credit Analyst Sr

UMB Bank; 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 insurance

Tuition reimbursement

Job summary

UMB Bank in Kansas City seeks a Credit Analyst Sr to analyze commercial borrower credit standings and account relationships, producing formal credit write-ups and complex loan analyses.

This senior role guides junior analysts, supports training, and completes monthly/quarterly reporting, with potential rotations across underwriting and related departments. Strong finance background required.

Qualifications

• Bachelor's 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

Responsibilities

• Generate formal credit write-ups that analyze a borrower’s creditworthiness and account relationship with UMB.
• Become the department subject matter expert in at least one lending vertical.
• Assist the department manager in the development and maintenance of training materials and department workflow.
• Complete monthly and quarterly reports (Board Report, Reg O, Supervisory Loan to Value).
• Opportunity for rotations through other bank partner departments.

Skills

Credit analysis

Financial analysis

Written communication

Verbal communication

Team collaboration

Feedback delivery

MS Office

Capital Stream

Loan accounting systems

Education

Bachelor's degree in business administration, finance or accounting

Minimum of 6 hours of accounting

2-years credit analysis or related experience

Tools

Capital Stream

Loan Accounting Systems

Microsoft Word

Microsoft Excel

Windows

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.

Credit Analyst Sr

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.

• 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

This position was posted on 09/11/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range

$59,085 - $86,922

• 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.

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