Portfolio Mgr/Bus Bnkg

umb; Kansas City (MO); In loco; USD 68.000 - 100.000; Tempo pieno

Vantaggi offerti da questo lavoro

401(k) matching program

Annual incentive pay

Medical, dental, vision insurance

Paid time off

Tuition reimbursement

Descrizione del lavoro

UMB is seeking a Portfolio Manager-Business Banking to underwrite credit renewals, modifications, and reviews across its Business Banking portfolios. You will spread financial statements, analyze performance, and propose credit structures and covenants for multi-state clients.

You’ll advise on risk, ensure compliance with covenants, and support loan servicing actions. A Bachelor's in business/finance with accounting coursework and 1+ year of relevant credit experience are preferred.

Competenze

• Bachelor's 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.

Mansioni

• 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.

Conoscenze

Credit analysis

Credit decision making

Financial analysis

Writing skills

Verbal communication

Independent work

Excel

Word

Formazione

Bachelor's degree in Business/Accounting/Finance

6 hours accounting

Strumenti

Capital Stream

FIS/BIS

SOP for SBA loans

Descrizione del lavoro

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 10/05/2026. 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.

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;
• 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.

Inclusion and Diversity Statement

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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