Portfolio Manager/Bus Bnkg

UMB Financial Corporation; Kansas; On-site; USD 68,000 - 100,000; Full time

Benefits offered by this job

Paid Time Off

401(k) matching program

Annual incentive pay

Health insurance

Flexible spending

Job summary

UMB Financial Corporation is seeking a Portfolio Manager-Business Banking to underwrite credit renewals, reviews, and modifications for its Business Banking portfolios across a multi-state footprint.

The role involves spreading financial statements, analyzing variances, and formulating credit strategies with covenants. You’ll present solutions to the Portfolio Manager, support risk guidance, and ensure proper servicing actions on watch list credits.

Qualifications

• Bachelor’s degree in Business, Accounting, Finance or related area with at least 6 hours of accounting; 1+ year in Business Loan experience.
• 1+ year credit analysis experience.
• Demonstrates credit decision making skills and ability.
• Demonstrates financial analytical skills with ability to solve complex problems by interpreting 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.
• Demonstrates proficiency of Excel, and Word to create tables and worksheets for credit memos.

Responsibilities

• Spread company financial statements and tax returns.
• Analyze financial statements, personal financial statements, and performance metrics for risk explanations and trends.
• Explain credit structure, covenants, and reporting requirements to the Portfolio Manager.
• Provide risk guidance on watch list credits across multiple states.
• Secure financial information and test covenants requirements.
• Follow up with clients and manage past due collections, notices, suits, and liquidations.
• May perform site visits if needed.
• Address complaints and resolve covenant violations.

Skills

Credit analysis

Financial analysis

Writing skills

Verbal and interpersonal skills

Independence

Excel proficiency

Word proficiency

Education

Bachelor’s degree in Business/Accounting/Finance

6 hours accounting

Tools

Capital Stream

FIS/BIS

SBA SOP

Job description

The Portfolio Manager-Business Banking will perform credit underwriting related to requests for renewals, modifications, changes in terms, credit reviews and reaffirmations for the Business Banking and Small Business Banking credit portfolios

How you’ll spend your time: Perform spreading company financial statements and tax returns. Analyze financial statements, personal financial statements, and performance metrics for explanation of variances, to identify trends, and to address a credit strategy appropriate for the credit risk. Present solutions to credit structure, covenants, financial reporting requirements and other credit conditions to the Portfolio Manager. Provide specialized risk guidance and advice on existing portfolio of watch list credits across a multi-state geographical footprint. Secure financial information and test covenants requirements. 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. May perform site visits if needed. Address complaints successfully, resolve documentation exceptions and covenant requirement violations.

We’re excited to talk with you if:

• Bachelors Degree in Business, Accounting, Finance or related area with at least 6 hours of accounting 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 with ability to solve complex problems by interpreting 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
• Demonstrates proficiency of Excel, and Word to create tables and worksheets for credit memos

Bonus Points if you have:

• Previous Business Loan collections experience
• 2 years Business Loan credit underwriting
• SBA program knowledge
• Knowledge of Capital Stream, FIS/BIS
• Knowledge of SOP for SBA guaranteed loans
• An aptitude to think strategically and envision future state of the portfolio

This position was posted on 09/02/2026. The application deadline for this position is 45 days from the posting date unless filled earlier. Compensation Range: $67,869 - $99,836 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.

• 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
• 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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