Small Business Banking Underwriter

UMB Bank; Richmond (VA); Hybrid; USD 68,000 - 100,000; Full time

Benefits offered by this job

401(k) matching program

annual incentive pay

health insurance

paid holidays

tuition reimbursement

fitness reimbursement

adoption assistance

employee assistance program

Job summary

UMB Bank is seeking a Small Business Banking Underwriter for a hybrid role serving Kansas City, MO; Dubuque, IA; and remote locations. You will analyze financial statements, conduct cash flow, capital and collateral analysis, and make underwriting decisions within SLA benchmarks.

You will collaborate with bank partners to facilitate loan closings, manage a credits pipeline, and stay current on lending policies.

Qualifications

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

Responsibilities

• Analyze financial statements
• Utilize bank systems for loan processing and loan proposals
• Complete underwriting and communicate credit decisions within SLA benchmarks
• Work closely with bank associates to facilitate loan closings
• Manage pipeline of credits and prioritize credit requests
• Stay current on lending policies and bank procedures

Skills

Excellent communication skills

Strong interpersonal & relationship

Analytical ability

Knowledge of SBSS Scoring Model

Ability to analyze loan applications

Education

Bachelor's Degree in business/finance/marketing

Tools

MS Office (Word, PowerPoint, Excel)

Job description

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

Hybrid

Kansas City MO

Dubuque IA

KS-REMOTE

IA-REMOTE

MO-REMOTE

Full time

R-9493

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

This position was posted on 09/30/2026. 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, 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.

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.

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