Portfolio Manager Sr - Commercial

UMB Bank•Phoenix, AZ

2d•$141,354 - $207,900

About The Position

The Senior Portfolio Manager supports loan officers in managing commercial banking relationships, generally focusing on the largest and most complex loans. The role manages an assigned credit portfolio and its associated credit risk while identifying opportunities for expansion. Working with a team that includes portfolio managers, underwriters, credit analysts, treasury management, commercial card professionals, and capital markets partners, the position helps manage Commercial & Industrial relationships throughout their life cycle and maintain meaningful connections with client company management. The role conducts credit underwriting for existing and prospective clients, monitors credit and covenant performance, identifies early warning signs, and provides recurring customer service. It also handles required reporting and related issue resolution. Compensation is listed as $141,354–$207,900; actual compensation may vary based on location, experience, and other job-related factors. UMB offers a range of benefits to eligible associates, subject to varying eligibility requirements.

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 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 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, 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 credit review, and track documentation exceptions, past dues, field exams, borrowing-base reports, and covenant exceptions.
Identify and manage early warning signs by reviewing borrower and guarantor financial performance, confirming borrowing-base and financial covenant compliance, reviewing payment performance benchmarks, and conducting regular financial reviews.
Provide recurring service to existing and prospective clients through joint sales calls with loan officers or direct client correspondence, and perform projects and tasks as needed while maintaining UMB TUCE.
File required reports and resolve related issues in a timely and efficient manner.
Perform other duties as assigned.