Business Analyst focusing on digital projects, identifying business needs, facilitating communication, and supporting application activities. Evaluating internal controls and preparing audit reports.
About the role
- Manage Portfolio Managers for Business Banking credit and risk management. Oversee compliance with bank policies while supporting company growth and risk management goals.
Responsibilities
- Manage a team of Portfolio Managers for the Business Banking (BB) and Small Business Banking (SBB) portfolios
- Oversee and support the credit and risk management in full compliance with bank policies and procedures
- Coordinate and monitor portfolio workflow, process and procedures
- Maintain compliance with UMB policies and procedures
- Develop, train and supervise PM's with accountability for effectiveness, productivity and team performance
- Ensure quality and timely underwriting for the completion of renewals, annual reviews, loan modifications and migrations
- Complete financial spreads, analyze financial statements and underwrite to complete Loan Proposals with proper loan structures, risk identification and risk mitigants
- Complete or negotiate workout credit terms and engage with UMB Legal and outside counsel as needed
- Recognize and manage early warning signs for the portfolio
- Manage and administer loans identified as Strategic Asset Management (SAM) loans
- Manage and monitor SAM reports as applicable
Requirements
- Bachelor's degree in Business, Accounting, Finance or related area with at least 6 hours of accounting
- 5+ years in Business/Commercial Banking including 3+ years with specific lending and/or underwriting experience
- 3+ years business loan workout and collections experience
- 2+ years management or supervisory experience
- Strong credit skills with the ability to make credit decisions
- Strong financial analytical skills with ability to solve complex problems by interpreting data and results
- Senior-level credit underwriting and accounting knowledge
- Excellent writing skills to create credit memos
- Excellent verbal and interpersonal skills to communicate with Relationship Manager and Credit Managers
- Ability to work independently
- Expert-level of proficiency with Word and Excel to create tables and spreadsheets for credit memos.
Benefits
- 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
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