Portfolio Mgr Senior-Commercial

UMB Bank; St. Louis (MO); On-site; USD 141,000 - 208,000; Full time

Benefits offered by this job

Paid Time Off

401(k) matching

Annual incentive pay

Medical, dental and vision

Health savings account / Flexible ;sp`

Job summary

UMB Bank is seeking a Sr. Portfolio Manager to support loan officers in managing complex commercial banking relationships. You will perform underwriting, prepare credit packages, and monitor covenant compliance.

You will analyze borrower financials, propose loan structures, and ensure timely reporting while delivering superior client service and maintaining UMB TUCE standards.

Qualifications

• Bachelor's degree in Business, Accounting, Finance or related fields.
• 5+ years commercial banking experience including credit underwriting.
• Demonstrates strong analytical skills and communication (verbal & written).
• Strong knowledge of bank products, services, and operations.
• Proficiency in Word, Excel, PowerPoint.

Responsibilities

• Partner with loan officers to administer management of commercial banking relationships.
• Perform detailed credit underwriting and prepare credit packages for credit committee.
• Monitor covenant compliance, borrowing bases, and financial performance.
• Analyze borrower/guarantor financials and structure loans appropriately.
• Provide customer service and support to existing and prospective clients.

Skills

Bachelor's degree

5+ years experience

Credit underwriting

Excellent communication

Analytical skills

MS Office (Word, Excel, PowerPoint)

Commercial lending software

Education

Bachelor's degree in Business/Accounting/Finance

Tools

Commercial lending software

Credit analysis tools

Job description

As the leading line of business, UMB's bottom line is directly impacted by the growth of our Commercial & Industrial loan portfolio. The team consists of Portfolio Managers, Underwriters, Credit Analysts, Treasury Management, Commercial Card professionals, and Capital Market partners. This team manages Commercial & Industrial relationships throughout its life - developing meaningful connections with management of the companies they serve. Always mindful of the changes in the company, its industry, etc., over time that might create a change in their financial service needs.

The Sr. Portfolio Manager is responsible for assisting loan officers in the portfolio management activities (generally largest and most complex loans). This role will manage assigned credit portfolio, manage the associated credit risk, and identify opportunities for expansion.

How You'll Spend Your Time

• Partner with loan officers to effectively administer the management of assigned commercial banking relationships.
• Perform credit underwriting duties for existing/prospective client relationships, which may include but are not limited to the following perform detailed credit analysis to determine borrower/guarantor repayment capacity, appropriate loan structuring recommendations, complete credit packages for credit committee approval (new business/reaffirmations) submission. Preparation of underwriting documents will also include collateral analysis on multiple asset classes and preparation of pricing and risk rating models suitable for each credit request.
• Continuously monitor borrowing base reports and covenant compliance with regular reporting requirements to loan officers and loan/credit monitoring and credit review. Establish protocols and maintain tracking of documentation exceptions, past dues, field exams, borrowing base reports and covenant exceptions.
• Recognize and manage early warning signs for the portfolio on a recurring basis, which may include but are not limited to the following analyze borrower/guarantor financial performance upon receipt of reporting requirements, either monthly, quarterly or annually. Fully analyze and confirm borrowing base and financial covenant compliance, analyze payment performance benchmarks and perform regular financial reviews.
• Provide recurring customer service to existing and prospective clients, which includes direct contact with customers either through participation in joint sales calls with loan officers or direct correspondence with clients and perform various projects/tasks as needed with an emphasis on maintaining UMB TUCE at all times.
• File all required reports, and resolve all related issues in a timely and efficient manner.
• Other duties as assigned.

We're excited to talk to you if

• Bachelor's degree in Business, Accounting, Finance or related fields.
• 5+ years commercial banking experience including credit underwriting.
• Current valid driver's license.
• Demonstrates strong excellent communication skills (verbal & written).
• Demonstrates strong knowledge and understanding in how to identify and process maturing loans, line renewals, term loans that need to be extended, how loans can be restructured, approval process, change terms, etc.
• Demonstrates strong level of understanding of credit underwriting.
• Demonstrates strong knowledge of bank products, services, and bank operations.
• Demonstrates ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents.
• Demonstrates strong analytical skills.
• Demonstrates ability to be self-starter, show initiative, and transfer knowledge to less experienced peers.
• Demonstrates strong proficiency in Word, Excel, PowerPoint.
• Demonstrates knowledge of commercial lending software.

Bonus points if

• 8 years commercial banking experience including credit underwriting.
• Ability to prospect and network at various levels within a company.
• Product training.

This position was posted on 10/14/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range

$141,354 - $207,900

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, 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.

If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.