Portfolio Mgr/Bus Bnkg

UMB Bank•Kansas City, MO

7d•Onsite

About The Position

The Portfolio Manager-Business Banking will perform credit underwriting related to requests for renewals, modifications, changes in terms, credit reviews and reaffirmations for the Business Banking and Small Business Banking credit portfolios.

Requirements

Bachelors Degree in Business, Accounting, Finance or related area with at least 6 hours of accounting
1+ year in Business Loan experience (up to $5MM)
1+ year credit analysis experience
Demonstrates credit decision making skills and ability
Demonstrates financial analytical skills with ability to solve complex problems by interpreting data and results
Demonstrates excellent writing skills to create credit memos
Demonstrates excellent verbal and interpersonal skills to communicate with sales force and credit managers
Demonstrates ability to work independently
Demonstrates proficiency of Excel, and Word to create tables and worksheets for credit memos

Nice To Haves

Previous Business Loan collections experience
2 years Business Loan credit underwriting
SBA program knowledge
Knowledge of Capital Stream, FIS/BIS
Knowledge of SOP for SBA guaranteed loans
An aptitude to think strategically and envision future state of the portfolio

Responsibilities

Perform spreading company financial statements and tax returns.
Analyze financial statements, personal financial statements, and performance metrics for explanation of variances, to identify trends, and to address a credit strategy appropriate for the credit risk.
Present solutions to credit structure, covenants, financial reporting requirements and other credit conditions to the Portfolio Manager.
Provide specialized risk guidance and advice on existing portfolio of watch list credits across a multi-state geographical footprint.
Secure financial information and test covenants requirements.
Provide timely client follow up and ensure that loan servicing actions, such as past due payment collections, demand letters, law suits, and liquidations are properly administered.
May perform site visits if needed.
Address complaints successfully, resolve documentation exceptions and covenant requirement violations.

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