UMB Bank

Manager

• 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.

Credit Portfolio Manager

Accountant

• Preparing reconciliations of varying degrees of difficulty for multiple lines of business
• Researching and resolving exceptions using system generated reports and documented procedures
• Collaborating with business partners to resolve accounting issues
• Conveying reconciliation and process information during audits to both internal and external auditors
• Assisting department manager in executing the training plans for new employees
• Interacting with business partners and/or third-party vendors during project implementation

Reconciliation Accountant

• Coach associates on performance; including proactive sales conversations, operational items and customer interactions
• Assisting or providing guidance on how to handle complex account maintenance and resolve customer escalations
• Collaborate with internal partners, such as small business officers, mortgage officers, private wealth manager and others
• Receiving continued education and training empowering you to meet individual sales performance and operational goals

Branch Manager

Financial Crime

• Investigate customer transactions representing increased risk for money laundering or terrorist financing
• Prepare clear and concise dispositions on daily alerts and reports
• Perform customer relationship reviews based on new account opening and higher risk attributes
• Prepare clear and concise reports detailing customer relationships and associated BSA/AML risk
• Assess the effectiveness of existing controls performed by UMBFS transfer agency
• Test to evaluate performance quality and document any gaps or deficiencies
• Confirm effectiveness of control environment across UMB FS operations
• Responsible for first level disposition of OFAC and 314a suspects from batch reporting

BSA/AML Analyst I

Community Manager

• Represent UMB at community events and business development functions
• Promote financial awareness and identify community needs to align with product and services
• Establish and maintain referral relationships with community based organizations, internal partners, real estate agents and customers
• Recommend product or services based on feedback from the community to enhance current credit offerings
• Counsel and pre-qualify potential home buyers on credit and affordability
• Facilitate pre-qualification/pre-approval analysis, explain rate, terms, payment amount and mortgage insurance to applicants
• Provide necessary information and inform applicants of status with clear communication
• Focus efforts to expand home ownership for first time buyers
• Provide financial education trainings to serve the needs of the community
• Interact with housing agencies and government entities that focus on community lending to stay relevant to serve our community needs
• Structure and originate first mortgage loans and gather supporting documentation to meet federal, state and company regulations and policy and procedures
• Promote bank wide products and programs that focus on the communities UMB serves

Community Mortgage Banker

Artificial Intelligence

• Ensure that all transactions are processed accurately, timely, and completed in their entirety
• Participate in projects/project teams and client conversions
• Test new systems and programs to improve efficiency and effectiveness
• Perform comprehensive review of all investor documents to ensure accuracy
• Input investor information into database ensuring 100% accuracy
• Review the work of others specialists and provide constructive feedback
• Assist with writing and updating procedures

Operations Specialist I – AI

Product Manager

• Translate business requirements into detailed data, product specifications, and technical requirements
• Work closely with data engineering, data science, data governance, and platform teams to develop and launch data products
• Collaborate with Data Product Owner to define, articulate, and champion the vision, mission, and strategic roadmap for data products
• Assess complex business challenges, recommending leading practices to enhance and differentiate data products
• Develop and maintain a product roadmap that outlines the development and release schedule for data products, including managing backlog and assists with planning upcoming pipeline
• Prioritize features and enhancements based on customer feedback, market needs, and business goals
• Collaborate with a team to develop comprehensive documentation for data products, including user guides, technical specifications, and FAQs, including ensuring data mapping, lineage, definitions, and controls are documented in the data management tooling solution
• Co-develop data product lifecycle, from ideation and prototyping to testing, deployment, and support
• Understand the integration of data from various sources into data products
• Ensure products are scalable, reliable, secure, and compliant with industry standards and regulations
• Develop and monitor key performance indicators (KPIs) to measure product success and impact
• Analyze product performance data to identify areas for improvement and make recommendations for optimization
• Regularly communicate product updates, strategic vision, and performance metrics to stakeholders, ensuring alignment and transparency
• Convey complex technical concepts to non-technical stakeholders
• Help establish a culture of trust and accountability within the data product team and with other stakeholders, including working with the data product team to develop their skillset

Data Product Manager

Compliance

• Develop and review financial models for CLO’s and related transactions
• Configure models based on documentation specifications
• Maintain automated processes that streamline functionality
• Partner with the Relationship Managers to ensure the modeling & resulting data match client expectations
• Build templates that generate the monthly compliance and quarterly waterfall reports
• Provide continuous maintenance and support of both deal modeling and reporting
• Identify and communicate any potential gaps with current systems and processes

Compliance Modeling Analyst – CLO

Data Engineer

• Define and implement enterprise-wide AI data architecture strategies to enable secure, scalable, and compliant AI/ML adoption across the organization.
• Design canonical data models, metadata frameworks, and pipelines to support AI/ML model development, training, deployment, and monitoring.
• Establish standards for data quality, lineage, master data management (MDM), and “golden record” frameworks to ensure reliable AI outputs.
• Collaborate with data governance, compliance, and security teams to enforce policies for ethical and responsible AI data usage.
• Architect and oversee AI-ready data platforms (cloud, hybrid, and on-prem) to integrate structured, unstructured, and streaming data sources.
• Implement modern data architectures (e.g., data mesh, data fabric, Lakehouse, Apache Iceberg/Delta Lake) to accelerate AI/ML projects.
• Optimize AI/ML workloads on cloud platforms (AWS, Azure, GCP) and manage data pipelines using tools like Kafka, Glue, Spark, and Snowflake.
• Partner with AI engineers, data scientists, and business leaders to align data architecture with financial products, regulatory compliance, and risk management needs.
• Provide architectural leadership in modernization efforts (real-time payments, fraud detection, personalization engines, and regulatory reporting).

AI Data Architect

Financial Planning and Analysis

• Explain analyses to senior leadership that will influence their strategic decisions
• Create and determine return on investments for a project or product
• Navigate in Microsoft Excel and Microsoft PowerPoint to turn raw data into effective presentations or reports
• Collaborate with a diverse group of business partners across all of UMB’s footprint

Credit Portfolio Manager

Reconciliation Accountant

Branch Manager

BSA/AML Analyst I

Branch Manager

Community Mortgage Banker

Operations Specialist I – AI

Data Product Manager

Compliance Modeling Analyst – CLO

AI Data Architect

Senior Financial Analyst