Portfolio Mgr I-Commercial

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 opportunity. UMBers are known for having multiple careers here and having their voices heard. 

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 Portfolio Manager I serves as the gateway keeper to new Commercial & Industrial loan deals. In this role, you will collaborate closely with the Commercial Relationship Manager/Sales Officer to better understand the client needs, historical cash flow data related to the performance of the company’s past, and industry data to qualify the commercial clients loan requests. This role is also responsible for assisting loan officers in the portfolio management activities (generally loans over $1,000,000). This role will manage assigned credit portfolio, manage the associated credit risk, and identify opportunities for expansion.

Working for UMB is about collaborative spirit with internal stakeholders, entrepreneurial pride, encouraging creativity, rewarding success, having fun winning business, community involvement, and working directly with the decision makers.    

How you will spend your time:

• Perform detailed credit analysis to determine borrower/guarantor repayment capacity, appropriate loan structuring recommendations and 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