Credit Portfolio Manager Sr

About the role

The Sr. Portfolio Manager assists loan officers in managing the largest and most complex loans within UMB’s Commercial & Industrial portfolio. This role involves managing assigned credit portfolios, mitigating associated credit risk, and identifying opportunities for expansion while maintaining meaningful client relationships.

Responsibilities

• Partner with loan officers to administer and manage commercial banking relationships.
• Perform credit underwriting for existing and prospective clients, including:
  • Detailed credit analysis to assess borrower/guarantor repayment capacity.
  • Loan structuring recommendations and preparation of credit packages for committee approval.
  • Collateral analysis across multiple asset classes and preparation of pricing/risk rating models.
• Monitor borrowing base reports and covenant compliance, reporting exceptions to loan officers and credit monitoring teams.
• Track documentation exceptions, past dues, field exams, borrowing base reports, and covenant exceptions.
• Identify and manage early warning signs in the portfolio, including:
  • Analyzing borrower/guarantor financial performance (monthly, quarterly, or annually).
  • Confirming borrowing base and financial covenant compliance.
  • Reviewing payment performance benchmarks and conducting regular financial reviews.
• Provide recurring customer service through joint sales calls, direct client correspondence, and project execution.
• File required reports and resolve issues efficiently.
• Mentor less experienced Portfolio Managers.

Requirements

• Bachelor’s degree in Business, Accounting, Finance, or a related field.
• 5+ years of commercial banking experience, including credit underwriting.
• Valid driver’s license.
• Strong communication skills (verbal and written).
• In-depth knowledge of loan processing, including maturing loans, renewals, restructuring, and approval processes.
• Proficiency in interpreting policies, loan contracts, credit reports, financial statements, and loan documents.
• Strong analytical and self-starter skills with the ability to mentor peers.
• Proficiency in Microsoft Word, Excel, and PowerPoint.
• Familiarity with commercial lending software.

Preferred qualifications include 8+ years of commercial banking experience, prospecting/networking abilities, and product training.

Pay

Compensation range: $141,354 – $207,900. The posted range reflects UMB’s reasonable estimate for starting pay, which may vary by geographic location, experience, and other job-related factors.

Benefits

• Paid Time Off and paid holidays.
• 401(k) matching program.
• Annual incentive pay.
• Comprehensive medical, dental, and vision insurance.
• Health savings, flexible spending, and dependent care accounts.
• Adoption assistance and employee assistance program.
• Fitness reimbursement and tuition reimbursement.
• Associate wellbeing program and emergency fund.
• Banking benefits for associates.

Benefit offerings and eligibility requirements vary.