Commercial Portfolio Manager II-Food, Beverage & Agribusiness

Overview

Commercial Portfolio Manager II-Food, Beverage & Agribusiness

This role is responsible for assisting Food, Beverage & Agribusiness loan officers in the portfolio management activities (generally large and moderately complex loans). Will manage assigned credit portfolio, manage the associated credit risk, and identify opportunities for expansion. Key highlights of the role will include the following:

• Partner with loan officers to effectively administer the management of assigned commercial banking relationships.
• Perform credit underwriting duties for existing/prospective client relationships, which may include but are not limited to the following: perform detailed credit analysis to determine borrower/guarantor repayment capacity, appropriate loan structuring recommendations, complete credit packages for credit committee approval (new business/reaffirmations) submission. Preparation of underwriting documents will also include collateral analysis on multiple asset classes and preparation of pricing and risk rating models suitable for each credit request.
• Continuously monitor borrowing base reports, budget tracking and covenant compliance with regular reporting requirements to loan officers and loan/credit monitoring and credit review. Follow established protocols and maintain tracking of documentation exceptions, past dues, field exams, borrowing base reports and covenant exceptions.
• Recognize and manage early warning signs for the portfolio on a recurring basis, which may include but are not limited to the following: analyze borrower/guarantor financial performance upon receipt of reporting requirements, either monthly, quarterly or annually. Fully analyze and confirm borrowing base and financial covenant compliance, analyze payment performance benchmarks and perform regular financial reviews.
• Provide recurring customer service to existing and prospective clients, which includes direct contact with customers either through participation in joint sales calls with loan officers or direct correspondence with clients and perform various projects/tasks as needed with an emphasis on maintaining UMB TUCE at all times.
• File all required reports and resolve all related issues in a timely and efficient manner.
• Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with minimal supervision required
• Other duties as assigned.

MINIMUM:

• Demonstrates knowledge of agribusiness and production agriculture industries in the Western US, including fruit & vegetable crops, row crops, tree nuts, citrus, wine, dairy, cattle and agribusinesses supporting these sectors.
• Demonstrates excellent communication skills (verbal & written)
• Demonstrates strong knowledge and understanding in how to identify and process maturing loans, line renewals, term loans that need to be extended, how loans can be restructured, approval process, change terms, etc.
• Demonstrates strong level of understanding of credit underwriting
• Demonstrates strong knowledge of bank products, services, and bank operations
• Demonstrates ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents
• Demonstrates strong analytical skills
• Demonstrates ability to be self-starter, show initiative, and transfer knowledge to less experienced peers
• Demonstrates strong proficiency in Word, Excel, Power Point
• Demonstrates knowledge of commercial lending software

• Ability to prospect and network at various levels within a company

MINIMUM:

• Bachelor’s degree in business, Accounting, Finance or related fields
• 5 years commercial banking experience including credit underwriting
• Current valid driver’s license

• 8 years commercial banking experience including credit underwriting

Compensation Range:

$69,920.00 - $

The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the…