Credit Analyst Sr

UMB Commercial Banking & Lendingprovidesacomprehensive solutionto commercial organizations of all this Credit Analyst team you gain the knowledge and skill to understand UMBs Commercial lending will gain broad understanding of loan processes and gain the skills needed to grow your career in UMBs Commercial Lending team.

As the Credit Analyst Sr you will analyze commercial borrowers credit standing and account relationships with UMB and their specific industry through the creation of spreads and write-ups. This Senior Credit Analyst role will be assigned complex loan write-ups and will guide the training of less experienced analysts by providing timely review and appropriate feedback to the analyst and to the department manager.

How youll spend your time:

• Generate formal credit write-ups which analyze a commercial borrowers creditworthiness and account relationship with UMB. This does include independently completing spreads financial analysis industry analysis relationship description & profitability analysis and written narrative for the same. Write-ups are evaluated by loan officers and senior management.
• Become the department subject matter expert in at least one lending vertical (i.e. agricultural analysis oil & gas (energy) lending shared national credits commercial real estate or others).
• Assist the department manager in the development and maintenance of training materials for the department; the management of the department workflow and assign incoming requests to analysts as needed; and provide backup to the overall management of the department when the manager is out of the office or as requested.
• Complete monthly and quarterly reports correctly and on-time. This includes but is not limited to: Board Report Reg O and Supervisory Loan to Value. The audience for these reports is the UMBF board of directions and other senior management.
• As available there is potential for further development opportunities by satisfactorily completing working Rotations through other bank partner departments including but not limited to: Commercial Underwriting Strategic Asset Management Loan Administration Loan Review Business Banking Underwriting Capital Markets etc.

Were excited to talk with you if:

• Bachelors degree in business administration finance or accounting
• Minimum of 6 hours of accounting
• 2-yeasr credit analysis or other applicable accounting or financial services experience
• Demonstrates mastery and proper application of financial analysis skills
• Proficient in all credit analysis skills with the ability to handle complex credit write-ups
• Ability to appropriately provide constructive feedback to peers
• Demonstrates proficiency in Microsoft Word Excel Windows
• Demonstrates ability to work with diverse teams that encompasses all levels of associates from various areas of the Bank by phone and in person
• Demonstrates strong written & verbal communication skills
• Demonstrates proficiency in Capital Stream and Loan Accounting Systems

Compensation Range:

The posted compensation range on this listing represents UMBs good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role but the actual compensation may vary by geographic location experience level and other job-related factors. 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.

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