Small Business Banking Underwriter

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

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 : December 31, 2025

Compensation Range :

$51,480.00 - $99,330.00

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 program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.

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