Portfolio Mgr Senior-Commercial

UMB Bank•Saint Louis, MO

21h

About The Position

UMB’s Commercial & Industrial lending team manages commercial relationships throughout their life cycle, building connections with company management and adapting to changes in clients’ businesses, industries, and financial service needs. The Senior Portfolio Manager assists loan officers with portfolio management activities, generally for the largest and most complex loans. The role manages assigned credit portfolios and associated credit risk while identifying opportunities for expansion. The position partners with loan officers to administer commercial banking relationships, underwrites existing and prospective client relationships, monitors borrowing bases and covenant compliance, and identifies and manages early warning signs. It also provides recurring service to clients, files required reports, resolves related issues, and completes other assigned duties.

Requirements

Bachelor’s degree in Business, Accounting, Finance, or a related field.
At least 5 years of commercial banking experience, including credit underwriting.
Current valid driver’s license.
Strong verbal and written communication skills.
Knowledge of identifying and processing maturing loans, line renewals, term-loan extensions, loan restructurings, approval processes, and term changes.
Strong understanding of credit underwriting.
Knowledge of bank products, services, and operations.
Ability to interpret policies and procedures, loan contracts, credit reports, financial statements, and loan documents.
Strong analytical skills.
Ability to be a self-starter, show initiative, and transfer knowledge to less experienced peers.
Strong proficiency in Word, Excel, and PowerPoint.
Knowledge of commercial lending software.

Nice To Haves

8 years of commercial banking experience, including credit underwriting.
Ability to prospect and network at various levels within a company.
Product training.

Responsibilities

Partner with loan officers to administer assigned commercial banking relationships.
Underwrite credit for existing and prospective clients, including analyzing borrower and guarantor repayment capacity, recommending loan structures, preparing credit packages for committee approval, analyzing collateral across multiple asset classes, and preparing pricing and risk-rating models.
Monitor borrowing-base reports and covenant compliance; report regularly to loan officers and loan/credit monitoring and review teams.
Establish protocols and track documentation exceptions, past-due items, field exams, borrowing-base reports, and covenant exceptions.
Identify and manage portfolio early-warning signs by reviewing borrower and guarantor financial performance, confirming borrowing-base and financial-covenant compliance, analyzing payment performance benchmarks, and conducting regular financial reviews.
Provide recurring customer service to existing and prospective clients through joint sales calls or direct correspondence, maintaining UMB TUCE.
File required reports and resolve related issues in a timely and efficient manner.
Perform other duties as assigned.