Portfolio Mgr I-Commercial
Portfolio Mgr I-Commercial
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$ 51480 - 99330
1 Vacancy
Job Description
As the leading line of business UMBs bottom line is directly impacted by the growth of ourCommercial& Industrial loanportfolio.The team consists of Portfolio Managers Underwriters Credit Analysts Treasury ManagementCommercial Card professionals and Capital Market partners. This team managesCommercial&Industrialrelationshipsthroughout its life developing meaningful connections with management of the companies they serve. Always mindful of the changes in the company its industry etc. over time that might create a change in their financial service needs.
The Portfolio Manager I serves as the gatewaykeeperto newCommercial &Industrial loan deals.In this role you will collaborateclosely withtheCommercial Relationship Manager/Sales Officerto better understand the client needs historical cash flowdata related to the performance of the companys past and industry data to qualify thecommercialclientsloan requests.This role is also responsible for assisting loan officers in the portfolio management activities (generally loans over $1000000). This role will manage assigned credit portfolio manage the associated credit risk and identify opportunities for expansion.
How you will spend your time:
Perform detailed credit analysis to determine borrower/guarantor repayment capacity appropriate loan structuring recommendations and complete credit packages for credit committee approval (new business/reaffirmations) submission.
Preparation of underwriting documents will also include collateral analysis on multiple asset classes and preparation of pricing and risk rating models suitable for each credit request.
Continuously monitor borrowing base reports and covenant compliance with regular reporting requirements to loan officers and loan/credit monitoring and credit review.
Establish protocols and maintain tracking of documentation exceptions past dues field exams borrowing base reports and covenant exceptions.
Recognize and manage early warning signs for the portfolio on a recurring basis which may include but are not limited to the following: analyze borrower/guarantor financial performance upon receipt of reporting requirements either monthly quarterly or annually.
Fully analyze and confirm borrowing base and financial covenant compliance analyze payment performance benchmarks and perform regular financial reviews.
Provide recurring customer service to existing and prospective clients which includes direct contact with customers either through participation in joint sales calls with loan officers or direct correspondence with clients and perform various projects/tasks as needed with an emphasis on maintaining UMB TUCE at all times.
File all required reports and resolve all related issues in a timely and efficient manner.
We are excited to talk to you if you have:
Bachelors degree in Business Accounting Finance or related fields 3 years banking or equivalent regulatory/bank policy experience including credit analysis or any combination of education and experience which would provide an equivalent background
Current valid drivers license
Demonstrated excellent communication skills (verbal & written)
Demonstrated knowledge and understanding in how to identify and process maturing loans line renewals term loans that need to be extended how loans can be restructured approval process change terms etc.
Demonstrated strong level of understanding of credit underwriting
Demonstrated knowledge of bank products services and bank operations
Demonstrated ability to interpret policies/procedures loan contracts and understanding of credit reports financial statements and loan documents
Demonstrated strong analytical skills
Demonstrated ability to be self starter and show initiative
Demonstrated proficiency in Word Excel PowerPoint
Demonstrated familiarity with commercial lending software
Compensation Range:
$51480.00 - $99330.00The posted compensation range on this listing represents UMBs standard for this role but the actual compensation may vary by geographic location experience level and other job-related addition this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information
UMB offers competitive and varied benefits to eligible associates such as 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; and various associate banking benefits. Benefit offerings and eligibility requirements vary.
Are you ready to be part of something more
Youre more than a means to an enda way to help us meet the bottom line. UMB isnt comprised of workers but of people who care about their work one another and their community. Expect more than the status quo. At UMB you can expect more heart. Youll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing no matter what. And expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.
UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race color religion sex (including gender pregnancy sexual orientation and gender identity) national origin age disability military service veteran status genetic information or any other status protected by applicable federal state or local law. If you need accommodation for any part of the employment process because of a disability please send an e-mail to to let us know the nature of your request.
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Required Experience:
Manager
Employment Type
Full-Time
