Credit Portfolio Manager

UMB Bank

Credit Portfolio Manager at UMB managing an assigned portfolio of Business Banking and Small Business Banking loans. Responsibilities include loan processing, financial analysis, and collaboration with internal teams.

Posted 6/11/2026full-timeLenexa • Colorado, Iowa, Kansas • 🇺🇸 United StatesMid-LevelSenior💰 $51,480 - $75,410 per yearWebsite

About the role

Key responsibilities & impact

Manage an assigned portfolio of Business Banking (BB) and Small Business Banking (SBB) loans
Process loan annual reviews, loan renewals, and loan modifications
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 identify expansion opportunities and maintain credit quality for existing base of customers
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 as applicable 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 Quarter BB Score Report.

Requirements

What you’ll need

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
Demonstrates excellent verbal and interpersonal skills to communicate with sales force and credit managers
Demonstrated ability to work independently
Demonstrated proficiency of Excel, and Word to create tables and worksheets for credit memos.

Benefits

Comp & perks

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, flexible spending, and dependent care accounts
Adoption assistance
Employee assistance program
Fitness reimbursement
Tuition reimbursement
Associate wellbeing program
Associate emergency fund
Various associate banking benefits

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

financial analysisloan processingcredit decision makingunderwritingfinancial statement analysisloan modificationsloan annual reviewscredit memoscollateral managementSBA loan processing

Soft Skills

problem solvingwriting skillsverbal communicationinterpersonal skillsindependent workcollaborationattention to detailanalytical thinkingtime managementcustomer service

Certifications

Bachelor's degree in BusinessBachelor's degree in AccountingBachelor's degree in Finance