Client Manager - Asset Based Lending
About The Position
As part of UMB’s commercial lending team, the Client Manager manages an assigned Asset Based Lending client portfolio and builds long-term relationships with key decision makers at borrowers and prospects. The role works closely with Collateral Analysts and Field Examiners to maintain proper documentation and facility management, monitor borrower performance and credit compliance, protect UMB from potential exposure, and contribute to profitability. The Client Manager learns about borrowers’ businesses, industries, cash flow, and financial service needs to support clients and assess future performance. The role evaluates client needs, loan structures and requirements, collateral perfection, legal documentation, financial performance, potential loss exposure, and industry trends. It recommends loan modifications, reporting requirements, and facility structures based on borrower performance and risk ratings; assigns and recommends changes to risk ratings; reviews financial statements and other monitoring information; and reviews and approves daily borrower advance requests within collateral availability, credit status, and approval authority. The position was posted on 10/26/2026. The application deadline is 45 days after posting unless the role is filled earlier. Compensation range: $141,354–$207,900; actual compensation may vary by geography, experience, and other job-related factors.
Requirements
- Bachelor’s degree or equivalent work experience; up to two years of experience in an Asset Based Lending role is referenced.
- Experience working face to face with clients in a client-interfacing role.
- Thorough knowledge of acceptable asset based lending standards and practices.
- Working knowledge of financial statements and budgets.
- Proficiency with Microsoft Office programs, including Word, Excel, and Outlook.
- Ability to address and adhere to confidential information policies.
Nice To Haves
- Experience in portfolio management.
- Experience in workout or bankruptcy.
Responsibilities
- Build long-term relationships with key decision makers at assigned borrowers and prospects.
- Coordinate with Collateral Analysts and Field Examiners to ensure proper documentation and ongoing facility management.
- Monitor assigned borrowers’ loan performance, credit, and compliance to manage potential exposure and support profitability.
- Understand borrowers’ businesses, industries, and working cash flow needs to evaluate future cash flow and financial service needs.
- Assess client needs, loan structures and requirements, collateral perfection, legal documentation, financial performance, potential loss exposures, and industry trends.
- Recommend loan modifications, reporting requirements, and facility structures based on borrower financial performance and risk ratings.
- Assign borrower risk ratings and recommend and submit rating changes based on company performance.
- Complete timely reviews of monthly financial statements, financial covenant compliance, collateral reports, verification results, ABL trend analyses, and other relevant information to identify risk.
- Review and approve daily advance requests from assigned borrowers in accordance with collateral availability, credit status, and approval authority.
Benefits
- Paid time off
- 401(k) matching program
- Annual incentive pay
- Paid holidays
- Company-sponsored 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
- Associate banking benefits
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
