Commercial Portfolio Manager Sr

About UMB

At UMB, you’re more than a means to an end—you’re part of a team of people who care about their work, one another, and their community. Expect more than the status quo: more heart, more trust, and more opportunity. UMBers are known for having multiple careers here and having their voices heard. The Commercial & Industrial (C&I) team manages relationships throughout their lifecycle, developing meaningful connections with company management and staying mindful of changes in the company, its industry, and financial service needs over time.

About the Role

The Portfolio Manager acts as the gatekeeper for new Commercial & Industrial loan deals and existing commercial loan relationships. You will collaborate closely with Commercial Relationship Managers/Sales Officers to understand client needs, historical cash flow data, and industry trends to qualify loan requests. You’ll facilitate the administration of new and existing loan accounts, monitor deal performance, identify expansion opportunities, and ensure compliance with covenants and payment standards. Supporting the commercial underwriting pipeline for both new and existing loan business is a key responsibility. Growth opportunities include staying credit-focused or moving into a client-facing role, while serving as a problem solver for clients and internal stakeholders.

Responsibilities

• Manage and monitor the commercial portfolio, recognizing and addressing early warning signs on a recurring basis.
• Analyze borrower/guarantor financial performance upon receipt of reporting requirements (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 loans perform as underwritten.
• Underwrite new and existing loan business using Microsoft Excel and Word, evaluating client relationships, trends, collateral, cash flow, and industry data.
• Work closely with administrative staff to ensure proper loan documentation from a compliance perspective.
• Provide recurring customer service to existing and prospective clients through joint sales calls with Relationship Managers or direct correspondence.
• Support the commercial underwriting pipeline for both new and existing loan business.

Requirements

• Bachelor’s degree in Business, Accounting, Finance, or related fields.
• 7 years of banking or equivalent regulatory/bank policy experience, including credit analysis.
• Demonstrated knowledge of Commercial & Industrial lending.
• Excellent written and verbal communication skills.
• Strong credit underwriting capabilities.

Pay

Compensation Range: $141,354 - $207,900. The posted range represents UMB’s good faith and reasonable estimate based on its budget and expectations for the role, though actual compensation may vary by geographic location, experience level, and other job-related factors.

Benefits

• Paid Time Off and paid holidays.
• 401(k) matching program.
• Annual incentive pay.
• Comprehensive company-sponsored benefit plan, including medical, dental, vision, and other insurance coverage.
• Health savings, flexible spending, and dependent care accounts.
• Adoption assistance.
• Employee assistance program.
• Fitness reimbursement.
• Tuition reimbursement.
• Associate wellbeing program.
• Associate emergency fund.
• Various associate banking benefits.

Benefit offerings and eligibility requirements vary.