Hybrid Lubbock TX Albuquerque NM Full time R-9182 As the

• Portfolio Manager - BBBLC
• ,•you will be responsible for assisting Business Banking and Practice Finance officers in the portfolio management activities (generally loans over $500,000) that are reviewed, decisioned and managed by the BBLC (Business Banking Loan Center).

You will partner with and support both relationship managers and client managers. You will perform credit underwriting related to requests for renewals, modifications, changes in terms, credit reviews and reaffirmations for the Business Banking and credit portfolios.

• How•you'll•spend your time: •+ You will analyze business and personal financial statements and work with the Business Banking Loan Center underwriting team to perform financial spreading of those statements.

+ You will present solutions to credit structure, covenants, financial reporting requirements and other credit conditions to the Underwriter. + You will monitor portfolio continuously by tracking loan exceptions, BBC, covenants, pasdues and other portfolio management activities. + You will recognize and manage early warning signs for the portfolio on a recurring basis and follow established protocol for actions that need to be taken. + You will provide specialized risk guidance and advice on existing portfolio of watch list credits across a multi-state geographical footprint. + You will secure financial information and test covenants requirements. + You will 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. You may perform site visits if needed. + You will address complaints successfully, resolve documentation exceptions and covenant requirement violations. + Other duties as assigned.

• We're
• excited to talk with you if:
• + You possess a Bachelor's Degree in Business, Accounting, Finance or related area with at least 6 hours of accounting AND 1+ year in Business Loan experience (up to $5MM) AND 1+ year credit analysis experience.

+ OR, you have any combination of education and experience that would provide an equivalent background. + You demonstrate credit decision making skills and ability. + You demonstrate financial analytical skills with ability to solve complex problems by interpreting data and results. + You demonstrate excellent writing skills to create credit memos. + You demonstrate excellent verbal and interpersonal skills to communicate with sales force and credit managers. + You demonstrateability to work independently. + You demonstrateproficiencyof Excel, and Word to create tables and worksheets for credit memos.

• Bonus points if:
• + You have previous Business Loancollections experience. + You have 2 years' Business Loan credit underwriting. + You have knowledge of Capital Stream, FIS/BIS. + You have an aptitude to think strategically and envision future state of the portfolio. This position was posted on 08/04/2026. 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.

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• 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 (https://p1.aprimocdn.net/umb/cdbf5f22-8f7a-43b9-bd03-b09f014a39c3/Privacy\_Notice\_for\_California\_Candidates\_Original\_file.pdf) _to understand how we collect and use your personal information when you apply for employment with UMB._ \#LI-AS1

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• We are more than a company.

We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision (https://p1.aprimocdn.net/umb/8cf58ce2-e9d6-4621-b60a-b09f01638943/UMB\_Tuce\_Book\_Original\_file.pdf) Check out the road to a career at UMB