Credit Portfolio Manager: Risk & Lending Analytics

UMB Bank; Kansas City (MO); On-site; USD 68,000 - 100,000; Full time

Job summary

UMB Bank is seeking a Credit Analyst to join our team in Kansas City. You will analyze business loan packages up to $5MM, spread financial statements and tax returns, and prepare credit memos for portfolio managers.

You will evaluate credit risk, explain variances, and propose credit structures and covenants. Collaboration with sales, credit managers, and risk teams is essential to drive sound lending decisions.

Qualifications

• Bachelor's degree in business, accounting, finance or related area with accounting coursework
• 1+ year in business loan experience (up to $5MM)
• 1+ year credit analysis experience
• Demonstrates credit decision making skills and ability
• Demonstrates financial analytical skills to interpret data and results
• Demonstrates excellent writing skills to create credit memos
• Demonstrates excellent verbal and interpersonal skills to communicate with sales force and credit managers
• Demonstrates ability to work independently
• Proficiency in Excel and Word to create tables and worksheets for credit memos

Responsibilities

• Perform spreading company financial statements and tax returns.
• Analyze financial statements and performance metrics to explain variances and identify trends for credit strategy.
• Present solutions to credit structure, covenants, and reporting requirements to Portfolio Manager.
• Provide risk guidance on a portfolio of watch list credits across multiple states.
• Ensure secure financial information and test covenants requirements.
• Support loan servicing actions including past due collections, letters, suits, and liquidations.

Skills

Credit decision making

Financial analysis

Writing skills

Verbal and interpersonal skills

Independent work

Education

Bachelor's Degree in Business, Accounting, Finance or related area

Tools

Excel

Word

Capital Stream

FIS/BIS

Job description

UMB Bank is seeking a Credit Analyst to join our team in Kansas City. You will analyze business loan packages up to $5MM, spread financial statements and tax returns, and prepare credit memos for portfolio managers.

You will evaluate credit risk, explain variances, and propose credit structures and covenants. Collaboration with sales, credit managers, and risk teams is essential to drive sound lending decisions.