Credit Portfolio Manager

UMB Bank • Overland Park, KS

3d

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. How you will spend your time: 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. This role will spend approximately 50% of their time performing the following functions: 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. We are excited to talk with you if you have:

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

• Manage an assigned portfolio of Business Banking (BB) and Small Business Banking (SBB) loans.
• Day-to-day management of the portfolio and processing loan annual reviews, loan renewals and loan modifications.
• 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
• 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
• Number of Employees: 1,001-5,000 employees