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 How you'll spend your time: 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. We're excited to talk with you if: 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 Bonus Points if you have: 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 This position was posted on 09/02/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range:

$67,869 - $99,836 The posted compensation range on this listing represents UMB's 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? You're more than a means to an end—a way to help us meet the bottom line. UMB isn't 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. You'll 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 talentacquisition@umb.com to let us know the nature of your request. 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. #LI-CH1