Commercial Portfolio Manager Sr

UMB Bank•Dallas, TX

About The Position

As the leading line of business, UMB’s bottom line is directly impacted by the growth of our Commercial & Industrial loan portfolio. The team consists of Portfolio Managers, Underwriters, Credit Analysts, Treasury Management and Commercial Card professionals, and Capital Markets partners. This team manages Commercial & Industrial relationships throughout its life – developing meaningful connections with management 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.The Portfolio Manager performs as the gateway keeper to new Commercial & Industrial loan deals, and existing commercial loan relationships. They collaborate closely with the Commercial Relationship Manager/Sales Officer to better understand the client needs, historical cash flow data related to the performance of the company’s past, and industry data to qualify the commercial clients loan requests. The Portfolio Managers helps to facilitate the administration of new and existing loan accounts associated with our internal administrative team. With existing loan clients, they monitor the deal to make sure the commercial loan is performing to the standard to which the loan is underwritten, identify additional expansion opportunities, monitoring the covenants, past due payments report, and any exceptions. Another key responsibility is supporting the commercial underwriting pipeline, both new and existing loan business. Growth is important for the Portfolio Manager, whether it is staying credit focused or moving into a client facing role. Playing the role of problem solver for both clients and internal customers is key both for internal growth as well as the commercial bank’s loan growth. Working for UMB is about collaborative spirit with internal stakeholders, entrepreneurial pride, encouraging creativity, rewarding success, having fun winning business, community involvement, and working directly with the decision makers.

Requirements

A bachelor’s degree in Business, Accounting, Finance or related fields
7 years banking or equivalent regulatory/bank policy experience including credit analysis
Demonstrated knowledge of Commercial & Industrial lending
Excellent communications skills both written and verbal
Demonstrate a strong level of credit underwriting

Responsibilities

Manage and monitor the commercial portfolio, recognizing and managing early warning signs for the portfolio on a recurring basis.
Analyze borrower/guarantor financial performance upon receipt of reporting requirements, either 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 the client loan is performing to standards as underwritten.
Utilize Microsoft Excel and Word to underwrite new and existing loan business, dissecting client relationships, trends, collateral short falls, cash flow, business and industry lists, to ensure the business checks out for a potential commercial loan.
Work closely with administrative staff to ensure all of the proper loan documentation is in place from a compliance perspective.
Provide recurring customer service to existing and prospective clients either through joint sales calls with Relationship Managers or direct correspondence with clients to ensure clarity to the loan relationship.

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