UMB Bank
Overview
Portfolio Manager Sr role at UMB Bank. Responsibilities
This role is responsible for assisting loan officers in the portfolio management activities (generally largest and most complex loans). Will manage assigned credit portfolio, manage the associated credit risk, and identify opportunities for expansion. 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: 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 (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, including direct contact with customers either through participation in joint sales calls with loan officers or direct correspondence with clients; perform various projects/tasks with emphasis on maintaining UMB TUCE at all times. File all required reports, and resolve all related issues in a timely and efficient manner. May mentor less experienced Portfolio Managers. Other duties as assigned. Qualifications
Bachelor's degree in Business, Accounting, Finance or related fields. 8 years commercial banking experience including credit underwriting. Current valid driver's license. Demonstrates excellent communication skills (verbal & written). Demonstrates expert 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 expert 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. Compensation
0,750 - 57,250 (compensation range shown on listing; actual may vary by location, experience, and other factors). The posted compensation range represents UMB’s standard for this role; the description of benefits is included with the posting. Benefits
UMB offers competitive benefits to eligible associates, including Paid Time Off, 401(k) matching, annual incentive pay, paid holidays, and a comprehensive benefits plan (medical, dental, vision, and other coverage). Health savings, flexible spending, dependent care accounts, adoption assistance, employee assistance program, fitness reimbursement, tuition reimbursement, and an associate wellbeing program. Benefit offerings and eligibility requirements vary. Equal Opportunity
UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities 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 law. If you need accommodation for any part of the employment process because of a disability, please email talentacquisition@umb.com to request assistance.
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Portfolio Manager Sr role at UMB Bank. Responsibilities
This role is responsible for assisting loan officers in the portfolio management activities (generally largest and most complex loans). Will manage assigned credit portfolio, manage the associated credit risk, and identify opportunities for expansion. 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: 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 (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, including direct contact with customers either through participation in joint sales calls with loan officers or direct correspondence with clients; perform various projects/tasks with emphasis on maintaining UMB TUCE at all times. File all required reports, and resolve all related issues in a timely and efficient manner. May mentor less experienced Portfolio Managers. Other duties as assigned. Qualifications
Bachelor's degree in Business, Accounting, Finance or related fields. 8 years commercial banking experience including credit underwriting. Current valid driver's license. Demonstrates excellent communication skills (verbal & written). Demonstrates expert 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 expert 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. Compensation
0,750 - 57,250 (compensation range shown on listing; actual may vary by location, experience, and other factors). The posted compensation range represents UMB’s standard for this role; the description of benefits is included with the posting. Benefits
UMB offers competitive benefits to eligible associates, including Paid Time Off, 401(k) matching, annual incentive pay, paid holidays, and a comprehensive benefits plan (medical, dental, vision, and other coverage). Health savings, flexible spending, dependent care accounts, adoption assistance, employee assistance program, fitness reimbursement, tuition reimbursement, and an associate wellbeing program. Benefit offerings and eligibility requirements vary. Equal Opportunity
UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities 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 law. If you need accommodation for any part of the employment process because of a disability, please email talentacquisition@umb.com to request assistance.
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