Credit Portfolio Manager

CREDIT PORTFOLIO MANAGER – OVERLAND PARK, KS OR AURORA, CO

As the Credit Portfolio Manager, you will manage an assigned portfolio of Business Banking (BB) and Small Business Banking (SBB) loans, including day-to-day management, loan annual reviews, renewals, and modifications. The role is credit based with no client contact.

• Analyze business and personal financial statements and perform financial spread.
• Use loan processing software to produce formal Loan Proposals for credit actions that will be presented for approval.
• Present credit structure, covenants, financial reporting requirements, and other credit conditions to the Portfolio Manager.
• Continuously monitor the portfolio by tracking loan exceptions, covenants, past dues and related portfolio management activities.
• Recognize early warning signs and follow established protocols for necessary actions.
• Provide timely follow-up and ensure loan servicing actions are properly administered.
• Collaborate with Relationship Officers to identify expansion opportunities and maintain credit quality for existing customers.
• Work with Relationship Officers to clear past dues, exceptions and covenants.
• Spend about 50% of time managing and administering assigned BB and SBB loans identified as Strategic Asset Management (SAM) loans.
• Monitor and secure loan collateral; conduct site visits and coordinate liquidation.
• Manage assigned SAM reports such as collateral impairment and watch list reports.
• Assist SBA Program Manager with SBA related actions including liquidation packages, workouts and general SBA loan processing.
• Review and manage the Quarter BB Score Report.

• Bachelor’s degree in Business, Accounting, Finance or related area.
• Minimum 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.
• Strong financial analytical skills; ability to solve complex problems by interpreting data.
• Excellent writing skills to create credit memos.
• Excellent verbal and interpersonal skills to communicate with sales force and credit managers.
• Ability to work independently.
• Proficiency in Excel and Word to create tables and worksheets for credit memos.

US Employees in California, Washington DC, New Jersey, and New York: $62,310 – $90,760
US Employees in Colorado, Connecticut, Delaware, Illinois, Massachusetts, Maryland, Minnesota, Pennsylvania, Rhode Island, Texas, Washington, and Wisconsin: $56,890 – $83,080
US Employees in all other states: $51,480 – $75,410

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.

• Paid Time Off
• 401(k) matching program
• Annual incentive pay
• Paid holidays
• Comprehensive company-sponsored benefits (medical, dental, vision, and other insurance coverage)
• Health savings, flexible spending, and dependent care accounts
• Adoption assistance
• Employee assistance program
• Fitness reimbursement
• Tuition reimbursement
• Wellbeing program
• Emergency fund
• Associate banking benefits (varies)

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  to let us know the nature of your request.