Lending Product Manager

UMB Bank; Kansas City (MO); Hybrid; USD 98,000 - 145,000; Full time

Benefits offered by this job

401(k) matching program

Annual incentive pay

Health, dental and vision insurance

Paid time off

Job summary

UMB Bank is seeking a Commercial Lending Product Manager to lead the development and strategy of commercial lending solutions for diverse client segments. You will work closely with credit, underwriting, portfolio management, marketing, finance, IT, and risk teams to drive end-to-end improvements and growth.

The role requires a hands-on product owner with a track record of navigating complex partnerships, delivering data-driven insights, and aligning stakeholders around a unified product vision.

Qualifications

• Bachelor’s degree in a related field and at least 5 years of product development experience.
• At least 2 years of commercial or business lending experience.
• Innovative and entrepreneurial mindset; you will be the product owner.
• Demonstrated ability to influence and cross-functional consensus.
• Experience interpreting market and financial data to drive product decisions.

Responsibilities

• Develop, implement and manage strategies to improve growth, profitability, and customer experience.
• Partner with teams to interpret data for development, justification, optimization and execution of product strategies.
• Monitor product performance KPIs, feedback and market trends to identify improvements and opportunities.
• Establish and maintain relationships with internal and external partners.
• Collaborate with cross-functional teams to leverage expertise and ensure successful strategy execution.
• Contribute strategic insights to evolve employee and customer experience.

Skills

Entrepreneurial mindset

Influence & consensus

Data-driven decisions

Relationship management

Education

Bachelor's degree in related field

Job description

The Lending Product group manages lending solutions for the Bank’s retail and business customers, which includes Consumer, Private Banking, Small Business, Business Banking, and Commercial lines of business.

As a Commercial Lending Product Manager, you will be a thought leader for UMB’s commercial lending product solutions, and develop and manage strategies to improve, grow and bring scale to those solutions. Activities include new product development/product enhancements, direct connection with credit and underwriting teams to support efficiencies in the end-to-end customer lifecycle, and execution of strategic initiatives. This role involves collaborating with internal teams, external partners, and stakeholders to support the growth and profitability of the suite of offerings while ensuring compliance with regulatory requirements and industry standards. This is a subset of the overall responsibilities which involves other multiple initiatives as assigned by Bank Product leadership.

This role is hybrid (Mon through Thu on-site / Fri remote) for candidates in the Kansas City metropolitan area and open to qualified remote candidates outside of the Kansas City area. However, the remote location must be within the US.

How you will spend your time

• Develop, implement and manage strategies to improve growth, profitability, and customer experience.
• Partner internally with teams to leverage and interpret data for use in the development, business justification, optimization and execution of product strategies.
• Monitor and analyze product performance KPIs, feedback and market trends to identify areas for improvements and opportunities for growth.
• Establish and maintain relationships with internal and external partners.
• Collaborate cross-functionally with internal teams such as credit, underwriting, portfolio management, marketing, finance, IT, fraud, legal, compliance, risk management, operations and servicing to leverage collective expertise, achieve shared goals, coordinate efforts and ensure successful execution of strategies.
• Contribute strategic insights and forward-thinking ideas to continuously evolve and improve internal employee and customer experience.

We are excited to talk if you have

• A Bachelor’s Degree in a related field and at least 5 years of product development experience OR any combination of education and experience that would provide an equivalent background.
• At least 2 years of commercial or business lending experience.
• An innovative and entrepreneurial mindset. Ultimately, you will be the product owner.
• Demonstrated success in managing difficult situations and relationships with partners and vendors.
• Ability to gain influence and cross-functional consensus.
• Experience in interpreting market and financial data to drive decisions, align strategies and build innovation around products.

Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position.

This position was posted on 10/30/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range

$98,208 - $144,705

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
• 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.

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