Portfolio Manager Sr - Commercial

UMB Bank•Phoenix, AZ

About The Position

The Senior Portfolio Manager supports loan officers in managing assigned commercial banking relationships, generally involving the largest and most complex loans. The role manages an assigned Commercial & Industrial credit portfolio, oversees associated credit risk, and identifies opportunities for portfolio expansion. The position partners with loan officers to administer commercial banking relationships and performs credit underwriting for existing and prospective clients. Underwriting work includes analyzing borrower and guarantor repayment capacity, recommending loan structures, preparing credit packages for committee review, analyzing collateral across multiple asset classes, and preparing pricing and risk-rating models. The role monitors borrowing-base reports, covenant compliance, and portfolio early-warning indicators; maintains tracking protocols for documentation exceptions, past-due items, field exams, borrowing-base reports, and covenant exceptions; and analyzes financial performance, payment benchmarks, and compliance with reporting requirements. It also provides recurring service to existing and prospective clients, including customer contact and participation in joint sales calls, and completes required reports and other assigned tasks in a timely manner.

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.
Strong understanding of maturing loans, line renewals, term-loan extensions, loan restructuring, approval processes, and changing loan terms.
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 work independently, 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 requests for existing and prospective clients, including analyzing borrower and guarantor repayment capacity and recommending loan structures.
Prepare credit packages for new business and reaffirmations for credit committee submission.
Analyze collateral across multiple asset classes and prepare pricing and risk-rating models for credit requests.
Monitor borrowing-base reports and covenant compliance, and provide regular reporting to loan officers and loan/credit monitoring and credit review.
Establish protocols and track documentation exceptions, past-due items, field exams, borrowing-base reports, and covenant exceptions.
Identify and manage early-warning signs by analyzing borrower and guarantor financial performance, borrowing-base and financial covenant compliance, payment performance, and recurring financial reviews.
Provide recurring customer service to existing and prospective clients, including direct customer contact and participation in joint sales calls with loan officers.
Complete and file required reports and resolve related issues in a timely and efficient manner.
Perform other duties and projects as assigned.