Business Banking Underwriter

Responsibilities Analyze and decide credit for small business and middle market commercial clients in accordance with UMB policies and Federal regulations. Complete cash flow, capital and collateral analysis for credit requests and properly structure approved loans. Analyze and spread financial statements. Utilize bank systems for loan processing and completion of loan proposals. Complete underwriting and communicate credit decisions within SLA benchmarks. Work closely with bank associates to facilitate loan closings. Manage pipeline of credits and prioritize incoming credit requests and tasks. Maintain working knowledge of lending and other bank policies and stay current. Perform other duties as assigned. Qualifications Bachelor's Degree in or emphasis on business, marketing or finance. Minimum 2 years experience in commercial lending or related banking field. Proficiency on MS Office products (Word, PowerPoint, Excel). Excellent communication skills – written and verbal. Good interpersonal and relationship building skills. Strong understanding and knowledge of accounting principles, financial statements, and marketing practices. Ability to analyze and review loan applications to provide profitable results in small business loan underwriting. Compensation Compensation Range: $51,480.00 – $99,330.00. The posted range represents UMB’s standard for this role; actual compensation may vary by geographic location, experience level, and other job‑related factors and does not encompass the full earning potential. Benefits Paid Time Off 401(k) matching program Annual incentive pay Paid holidays Comprehensive company‑sponsored benefit plan including medical, dental, vision, and other insurance coverage Health savings account, flexible spending account, and dependent care account Adoption assistance Employee assistance program Fitness reimbursement Tuition reimbursement Associate wellbeing program Associate emergency fund Various associate banking benefits EEO Statement 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. Accommodation If you need accommodation for any part of the employment process because of a disability, please send an e‑mail to View email address on click.appcast.io to let us know the nature of your request. Privacy Notice for California Residents If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB. #J-18808-Ljbffr UMB Financial Corporation