Business Banking Underwriter

UMB Bank • Kansas City, MO

3d

About The Position

Are you ready to be part of something more? You’re more than a means to an end—a 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 opportunity. UMBers are known for having multiple careers here and having their voices heard. As one of UMB’s leading lines of business, the Commercial team is made up of Business Banking Relationship Officers, Treasury Management Officers, Underwriters, Client Managers, and Analysts. This team manages Commercial and Industrial and Practice Finance relationships throughout its life – developing meaningful connections with leadership of the companies they serve. Always mindful of the changes in the company, its industry, etc., over time that might create a change in their financial service needs. As a Business Banking Underwriter, you will analyze and decision credit requests for small business and middle market commercial clients in accordance with UMB policies and Federal regulations.

Requirements

• Bachelor's Degree in (or emphasis in) business, marketing or finance
• 2 years experience in commercial lending or related banking field
• Demonstrates proficiency on MS Office products (Word, PowerPoint, and Excel)
• Demonstrates excellent communication skills (written & verbal)
• Demonstrates good interpersonal & relationship building skills
• Demonstrates strong understanding & knowledge of accounting principles, financial statements, & marketing practices
• Demonstrates ability to analyze and review loan applications to provide profitable results in the underwriting of small business loans and related credit products

Responsibilities

• Complete cash flow, capital, and collateral analysis for loan proposals
• Properly structure and approve loans within delegated authority
• Analyze and spread 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.

Benefits

• 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
• various associate banking benefits

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level