Portfolio Manager - BBLC

UMB Financial Corporation; Centennial (CO); On-site; USD 68,000 - 100,000; Full time

Benefits offered by this job

Paid Time Off

401(k) matching

Annual incentive pay

Medical, dental, vision insurance

Job summary

UMB Financial Corporation is seeking a Portfolio Manager - BBBLC to support Business Banking and Practice Finance officers in portfolio management for loans typically over $500,000 across multiple states. You will work with relationship managers and client managers, performing underwriting for renewals, modifications and credit reviews.

You will analyze business and personal financial statements, spread them, and present credit structures and covenants to the Underwriter.

Qualifications

• Bachelor’s Degree in Business, Accounting, Finance or related area with accounting coursework.
• 1+ year Business Loan experience and 1+ year credit analysis experience.
• Proficiency in Excel and Word to create tables and memos.

Responsibilities

• Assist underwriting and portfolio management for loans typically >$500,000.
• Analyze financial statements and conduct financial spreading.
• Present credit structures, covenants and conditions to Underwriter.
• Monitor portfolio, track exceptions and manage credit actions as needed.

Skills

Credit analysis

Financial analysis

Excel

Word

Education

Bachelor's degree in Business, Accounting, Finance

Tools

Capital Stream

FIS/BIS

Job description

As the Portfolio Manager - BBBLC, you will be responsible for assisting Business Banking and Practice Finance officers in the portfolio management activities (generally loans over $500,000) that are reviewed, decisioned and managed by the BBLC (Business Banking Loan Center). You will partner with and support both relationship managers and client managers. You will perform credit underwriting related to requests for renewals, modifications, changes in terms, credit reviews and reaffirmations for the Business Banking and credit portfolios.

How you’ll spend your time: You will analyze business and personal financial statements and work with the Business Banking Loan Center underwriting team to perform financial spreading of those statements. You will present solutions to credit structure, covenants, financial reporting requirements and other credit conditions to the Underwriter. You will monitor portfolio continuously by tracking loan exceptions, BBC, covenants, pas dues and other portfolio management activities. You will recognize and manage early warning signs for the portfolio on a recurring basis and follow established protocol for actions that need to be taken. You will provide specialized risk guidance and advice on existing portfolio of watch list credits across a multi-state geographical footprint. You will secure financial information and test covenants requirements. You will provide timely client follow up and ensure that loan servicing actions, such as past due payment collections, demand letters, law suits, and liquidations are properly administered. You may perform site visits if needed. You will address complaints successfully, resolve documentation exceptions and covenant requirement violations. Other duties as assigned.

We’re excited to talk with you if:

You possess a Bachelor’s Degree in Business, Accounting, Finance or related area with at least 6 hours of accounting AND 1+ year in Business Loan experience (up to $5MM) AND 1+ year credit analysis experience. OR, you have any combination of education and experience that would provide an equivalent background.

• You demonstrate credit decision making skills and ability.
• You demonstrate financial analytical skills with ability to solve complex problems by interpreting data and results.
• You demonstrate excellent writing skills to create credit memos.
• You demonstrate excellent verbal and interpersonal skills to communicate with sales force and credit managers.
• You demonstrate ability to work independently.
• You demonstrate proficiency of Excel, and Word to create tables and worksheets for credit memos.

Bonus points if:

• You have previous Business Loan collections experience.
• You have 2 years’ Business Loan credit underwriting.
• You have knowledge of Capital Stream, FIS/BIS.
• You have an aptitude to think strategically and envision future state of the portfolio.

Compensation Range:

$67,869 - $99,836

This position was posted on 09/04/2026. The application deadline for this position is 45 days from the posting date unless filled earlier. 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
• and various associate banking benefits.

Benefit offerings and eligibility requirements vary.

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