Portfolio Mgr II-Commercial

Portfolio Manager

Are you ready to be part of something more? You're more than a means to an enda 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 opportunities. UMBers are known for having multiple careers here and having their voices heard.

The Portfolio Manager performs as the gateway keeper to new Commercial & Industrial loan deals, and existing commercial loan relationships. They 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 client's loan requests. The Portfolio Manager helps to facilitate the administration of new and existing loan accounts associated with our internal administrative team. With existing loan clients, they monitor the deal to make sure the commercial loan is performing to the standard to which the loan is underwritten, identify additional expansion opportunities, monitoring the covenants, past due payments report, and any exceptions. Another key responsibility is supporting the commercial underwriting pipeline, both new and existing loan business. Growth is important for the Portfolio Manager, whether it is staying credit focused or moving into a client facing role. Playing the role of problem solver for both clients and internal customers is key both for internal growth as well as the commercial bank's loan growth.

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'll spend your time :

• Manage and monitor the commercial portfolio, recognizing and managing 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 to ensure the client loan is performing to standards as underwritten.
• Utilizing Microsoft Excel and Word, you will underwrite new and existing loan business, dissecting client relationships, trends, collateral short falls, cash flow, business and industry lists, to ensure the business checks out for a potential commercial loan.
• You will work closely with administrative staff to ensure all of the proper loan documentation is in place from a compliance perspective.

We're excited to talk with you if :

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