Sr. Credit Portfolio Manager-AG

Sr. Credit Portfolio Manager-AG

SUMMARY

The Senior Credit Portfolio Manager-AG is responsible for underwriting Commercial and AG credit exposures, consisting of gathering, analyzing and interpreting credit and financial information for existing and prospective customers in order to assess credit quality and minimize risk and potential loss. The position analyzes all types of credit requests, including complex relationships with larger dollar exposure and higher risk. In addition, the Senior Portfolio Manager assists the Commercial Banker in managing their client relationships.

PRIMARY & ESSENTIAL RESPONSIBILITIES:

• Works independently to appropriately and timely underwrite the credit, and to develop the appropriate credit structure in relationship to the credit risk.
• Assists the Commercial Banker in the monitoring of the portfolio, specifically:
• Assists the Commercial Banker in preparing for client and prospect meetings.
• Prepares business case memos and participates in business case discussions, subsequent meetings with bank management, industry specialists, and other interested parties.
• Assists the Commercial Banker in ensuring that all client documentation and customer agreements, credit and non-credit alike, are accurate, properly executed, and funds are withheld until all documents are properly executed.
• Assists the Commercial Banker by being identified as the in-bank relationship manager, taking care of requests from the customer that cannot be handled by the Loan Assistant.
• May assist the Commercial Banker by conducting loan closings.
• Assists the Commercial Banker by scheduling, attending, and participating in the Lender Annual Review.
• Conducts business in compliance with bank policies, procedures, federal and state laws and regulations.
• Actively participates in community activities that promote the bank and/or assist in business development, where applicable.
• Continuously seeks additional knowledge and training to enhance sales, credit, and people skills.
• Stays abreast of industry trends and developments, identifying potential threats and opportunities for the business.

REQUIRED SKILLS & EXPERIENCE:

• Bachelor’s Degree or equivalent combination of education and experience.
• 5+ years of experience as a Credit Analyst, Portfolio Manager or Commercial Loan Officer.
• 2+ years of experience in Agricultural Lending preferred  
• Strong analytical skills and an understanding of general economic theory as it relates to the lending and business environment.
• Understanding of credit analysis, risk analysis, and accounting and finance principles.
• Thorough knowledge of commercial and agricultural lending, credit and appropriate banking laws and regulations. 
• Strong credit underwriting skills.
• Experience in credit structuring and prudently accommodating customer credit needs.
• Track record of demonstrating accuracy and thoroughness.
• Looks for ways to improve and promote quality.
• Applies feedback to improve performance and monitors own work to ensure quality.
• Ability to maintain confidentiality of customer and credit information.
• Strong critical thinking, interpersonal, and organizational skills.
• Demonstrated proficiency in organizing and prioritizing work to meet deadlines, with the ability to adapt within a changing environment
• Proficient in Microsoft Word, Excel, and Outlook.
• Experience with ProfitMax, InfoAccess, Capitalstream and Credit Lens (Moody’s), AS400/Fiserv and/or other related computer programs required  
• Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with minimal supervision required  

OCCUPATIONAL CERTIFICATION:

Must complete RMA training curriculum and achieve the CRC Certification within 36 months of employment in the role.

Compensation Range:

$63,830.00 - $136,580.00

The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. 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