Small Business Banking Underwriter

UMB Financial Corporation; Kansas City (MO); Hybrid; USD 68,000 - 100,000; Full time

Benefits offered by this job

Paid Time Off

401(k) matching

Annual incentive pay

Paid holidays

Health insurance

HSA/FSAs

Tuition reimbursement

Employee assistance program

Wellbeing program

Banking benefits

Job summary

UMB Financial Corporation seeks a Small Business Banking Underwriter to analyze cash flows, capital and collateral for credit requests and to complete loan underwriting for small business clients. This hybrid role covers Kansas City, MO; Dubuque, IA; and Denver, CO with responsibilities to compute risk and structure loans in accordance with policy.

The position requires 2+ years in commercial lending, strong MS Office proficiency, and solid communication and analytical skills.

Qualifications

• Bachelor's Degree in business, marketing or finance preferred.
• 2+ years of experience in commercial lending or related banking.
• Proficiency in MS Office (Word, PowerPoint, Excel).
• Excellent written and verbal communication skills.
• Strong interpersonal and relationship-building skills.
• Knowledge of accounting principles, financial statements and marketing practices.
• Knowledge of SBSS Scoring Model preferred.
• Ability to analyze and review loan applications for underwriting profitability.

Responsibilities

• Analyze financial statements.
• Utilize bank systems for loan processing and completion of loan proposal.
• Complete underwriting and communicate credit decisions within SLA benchmarks.
• Work closely with bank associates to facilitate loan closings.
• Manage pipeline of credits and prioritize incoming credit requests and tasks.
• Maintain working knowledge and stay current on lending and other bank policies.

Skills

Communication

Interpersonal skills

Financial analysis

Underwriting knowledge

Accounting principles

Marketing knowledge

SBSS Scoring

Education

Business/Finance degree

Tools

MS Office

Job description

Small Business Banking Underwriter-Hybrid: Kansas City, MO/Dubuque, IA/Denver, CO

The Small Business Banking Underwriter will analyze and make credit decisions for small business banking clients in accordance with UMB policies and Federal regulations. They will complete cash flow, capital and collateral analysis for credit requests and properly structured approved loans.

Duties & Responsibilities

• Analyze financial statements
• Utilize bank systems for loan processing and completion of loan proposal
• Complete underwriting and communicate credit decisions within SLA benchmarks
• Work closely with bank associates to facilitate loan closings
• Manage pipeline of credits and prioritize incoming credit requests and tasks
• Maintain working knowledge and stay current on lending and other bank policies

Qualifications

• Bachelor's Degree in (or emphasis in) business, marketing or finance preferred
• 2+ years of experience in commercial lending or related banking
• Proficiency on MS Office products (Word, PowerPoint, and Excel)
• Excellent communication skills (written & verbal)
• Good interpersonal & relationship building skills
• Strong understanding & knowledge of accounting principles, financial statements, & marketing practices
• Knowledge of SBSS Scoring Model preferred
• Ability to analyze and review loan applications to provide profitable results in the underwriting of small business loans and related credit products

Application Deadline

August 31, 2025

Compensation Range

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, 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.

Who we are

We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed.

Learn more about UMB's vision

Check out the road to a career at UMB