Credit Portfolio Manager

UMB Bank•Lenexa, IA

1d•$51,480 - $90,760•Hybrid

About The Position

As the Credit Portfolio Manager, you will manage an assigned portfolio of Business Banking (BB) and Small Business Banking (SBB) loans. This includes day-to-day management of the portfolio and processing loan annual reviews, loan renewals and loan modifications. This is a credit-based position, does not have client contact.

Requirements

Bachelor's degree in Business, Accounting, Finance or related area with at least 6 hours of accounting
5+ years of experience with Business Banking loans up to $5MM
3+ years of experience underwriting Business Banking loans
Demonstrated credit decision making skills and ability
Demonstrated financial analytical skills with ability to solve complex problems by interpreting data and results
Demonstrated excellent writing skills to create credit memos
Demonstrates excellent verbal and interpersonal skills to communicate with sales force and credit managers
Demonstrated ability to work independently
Demonstrated proficiency of Excel, and Word to create tables and worksheets for credit memos

Responsibilities

Analyze business and personal financial statements and performing financial spreading of those statements.
Utilize loan processing software to produce formal Loan Proposals for credit actions that will be presented for approval.
Present solutions to credit structure, covenants, financial reporting requirements and other credit conditions to the Portfolio Manager.
Monitor portfolio continuously by tracking loan exceptions, BBC, covenants, past dues and other portfolio management activities.
Recognize and manage early warning signs for the portfolio on a recurring basis and follow established protocol for actions that need to be taken.
Provide timely follow up and ensure that loan servicing actions are properly administered.
Collaborate with Relationship Officers to both identify expansion opportunities and maintain credit quality for existing base of customers.
Work with Relationship Officers to clear past dues, exceptions and covenants.
Manage and administer assigned BB and SBB loans identified as Strategic Asset Management (SAM) loans.
Monitor and secure loan collateral.
Conduct site visits and coordinate with various parties to liquidate loan collateral.
Manage and monitor assigned SAM reports as applicable such as collateral impairment and watch list reports.
Assist SBA Program Manager with various SBA related actions such as liquidation packages, workouts and general SBA loan processing.
Review and manage the Quarter BB Score Report.

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