UMB Bank
Commercial Portfolio Manager II-Food, Beverage & Agribusiness
UMB Bank, Austin, Texas, us, 78716
Commercial Portfolio Manager II-Food, Beverage & Agribusiness
Summary
This role is responsible for assisting Food, Beverage & Agribusiness loan officers in the portfolio management activities (generally large and moderately complex loans). Will manage assigned credit portfolio, manage the associated credit risk, and identify opportunities for expansion. Key highlights of the role will include the following:
Responsibilities
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, budget tracking and covenant compliance with regular reporting requirements to loan officers and loan/credit monitoring and credit review. Follow established 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.
Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with minimal supervision required
Other duties as assigned.
Knowledge & Skills
MINIMUM:
Demonstrates knowledge of agribusiness and production agriculture industries in the Western US, including fruit & vegetable crops, row crops, tree nuts, citrus, wine, dairy, cattle and agribusinesses supporting these sectors.
Demonstrates 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
PREFERRED:
Ability to prospect and network at various levels within a company
Requirements
MINIMUM:
Bachelor’s degree in business, Accounting, Finance or related fields
5 years commercial banking experience including credit underwriting
Current valid driver’s license
PREFERRED:
8 years commercial banking experience including credit underwriting
Compensation
Compensation Range: $69,920.00 - $149,000.00
Note: The posted compensation range represents the standard for this role, but 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.
UMB offers competitive and varied benefits to eligible associates, such as 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.
Equal Opportunity
UMB and its affiliates are an equal opportunity employer.
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This role is responsible for assisting Food, Beverage & Agribusiness loan officers in the portfolio management activities (generally large and moderately complex loans). Will manage assigned credit portfolio, manage the associated credit risk, and identify opportunities for expansion. Key highlights of the role will include the following:
Responsibilities
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, budget tracking and covenant compliance with regular reporting requirements to loan officers and loan/credit monitoring and credit review. Follow established 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.
Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with minimal supervision required
Other duties as assigned.
Knowledge & Skills
MINIMUM:
Demonstrates knowledge of agribusiness and production agriculture industries in the Western US, including fruit & vegetable crops, row crops, tree nuts, citrus, wine, dairy, cattle and agribusinesses supporting these sectors.
Demonstrates 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
PREFERRED:
Ability to prospect and network at various levels within a company
Requirements
MINIMUM:
Bachelor’s degree in business, Accounting, Finance or related fields
5 years commercial banking experience including credit underwriting
Current valid driver’s license
PREFERRED:
8 years commercial banking experience including credit underwriting
Compensation
Compensation Range: $69,920.00 - $149,000.00
Note: The posted compensation range represents the standard for this role, but 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.
UMB offers competitive and varied benefits to eligible associates, such as 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.
Equal Opportunity
UMB and its affiliates are an equal opportunity employer.
#J-18808-Ljbffr