Portfolio Mgr Senior-Commercial

About the role

The Sr. Portfolio Manager plays a crucial role in managing the Commercial & Industrial loan portfolio. They partner with loan officers to administer portfolio management activities, perform credit underwriting, and manage associated credit risk. This role also identifies opportunities for portfolio expansion.

Responsibilities

• Partner with loan officers to effectively administer the management of assigned commercial banking relationships.
• Perform detailed credit analysis to determine borrower/guarantor repayment capacity, appropriate loan structuring recommendations, and complete credit packages for credit committee approval.
• Prepare underwriting documents, including collateral analysis on multiple asset classes and pricing/risk rating models.
• Monitor borrowing base reports and covenant compliance, submitting regular reports to loan officers and maintaining tracking of exceptions.
• Recognize and manage early warning signs for the portfolio, analyzing borrower/guarantor financial performance, and confirming compliance with financial covenants.
• Provide customer service to existing and prospective clients through joint sales calls and direct correspondence.
• File required reports and resolve related issues promptly.
• Other duties as assigned.

Requirements

• Bachelor’s degree in Business, Accounting, Finance, or related fields.
• 5+ years commercial banking experience, including credit underwriting.
• Current valid driver’s license.
• Strong communication skills (verbal and written).
• Strong knowledge of identifying and processing maturing loans, line renewals, term loans needing extension, restructuring loans, and the approval process.
• Strong understanding of credit underwriting.
• Knowledge of bank products, services, and operations.
• Ability to interpret policies, procedures, loan contracts, and understand credit reports, financial statements, and loan documents.
• Strong analytical skills.
• Ability to be self-starter, show initiative, and transfer knowledge to less experienced peers.
• Proficiency in Word, Excel, PowerPoint.
• Knowledge of commercial lending software.

Qualifications

• Additional 3 years of commercial banking experience, including credit underwriting.
• Experience prospecting and networking at various levels within a company.
• Product training.

Skills

• Excellent communication skills (verbal and written).
• Strong knowledge of credit underwriting.
• Understanding of commercial lending processes.
• Ability to interpret policies, procedures, and loan documents.
• Strong analytical skills.
• Self-starter and ability to transfer knowledge to peers.
• Proficiency in Microsoft Office Suite.
• Knowledge of commercial lending software.

Benefits

UMB offers competitive and varied benefits, including Paid Time Off, a 401(k) matching program, annual incentive pay, paid holidays, comprehensive health and welfare plans, and various associate banking benefits. For more information, please refer to the description of benefits included with this job posting.