Credit Portfolio Manager

Overview As the Credit Portfolio Manager, you will manage an assigned portfolio of Business Banking (BB) and Small Business Banking (SBB) loans. This includes day‑to‑day management of the portfolio and processing loan annual reviews, loan renewals and loan modifications. This is a credit‑based position and does not have client contact. How you will spend your time Analyze business and personal financial statements and perform financial spreading of those statements. Utilize loan processing software to produce formal Loan Proposals for credit actions that will be presented for approval. Present solutions to credit structure, covenants, financial reporting requirements and other credit conditions to the Portfolio Manager. Monitor portfolio continuously by tracking loan exceptions, BBC, covenants, past dues and other portfolio management activities. Recognize and manage early warning signs for the portfolio on a recurring basis and follow established protocol for actions that need to be taken. Provide timely follow up and ensure that loan servicing actions are properly administered. Collaborate with Relationship Officers to both identify expansion opportunities and maintain credit quality for existing base of customers. Work with Relationship Officers to clear past dues, exceptions and covenants. 50% of your time focuses on Manage and administer assigned BB and SBB loans identified as Strategic Asset Management (SAM) loans. Monitor and secure loan collateral. Conduct site visits and coordinate with various parties to liquidate loan collateral. Manage and monitor assigned SAM reports such as collateral impairment and watch list reports. Assist SBA Program Manager with various SBA related actions such as liquidation packages, workouts and general SBA loan processing. Review and manage the Quarterly BB Score Report. Qualifications Bachelor's degree in Business, Accounting, Finance or related area with at least 6 hours of accounting. 5+ years of experience with Business Banking loans up to $5MM. 3+ years of experience underwriting Business Banking loans. Demonstrated credit decision‑making skills and ability. Demonstrated financial analytical skills with ability to solve complex problems by interpreting data and results. Demonstrated excellent writing skills to create credit memos and excellent verbal and interpersonal skills to communicate with sales force and credit managers. Demonstrated ability to work independently. Demonstrated proficiency with Excel, and Word to create tables and worksheets for credit memos. Compensation Ranges US Employees in California, Washington DC, New Jersey, and New York: $62,310 - $90,760 US Employees in Colorado, Connecticut, Delaware, Illinois, Massachusetts, Maryland, Minnesota, Pennsylvania, Rhode Island, Texas, Washington, and Wisconsin: $56,890 - $83,080 US Employees in all other states not listed above: $51,480 - $75,410 Benefits 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. Equal Employment Opportunity 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. 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. #J-18808-Ljbffr