UMB Commercial Banking & Lending provides a comprehensive solution to commercial organizations of all sizes. On this Credit Analyst team, you gain the knowledge and skill to understand UMB’s Commercial lending philosophy. You will gain broad understanding of loan processes and gain the skills needed to grow your career in UMB’s Commercial Lending team.
As the Sr Credit Analyst, you provide the initial analysis of every commercial loan for UMB. The Credit Analysis team works on different types of loans and sizes across all markets and verticals. As a Sr Credit Analyst, you will work with the Loan Officers to review new loan information for approval. In this role, you will have the opportunity to attend loan committee, participate in a credit rotation program, and interface with senior management.
How you’ll spend your time:
- You will spread and analyze information regarding various companies’ credit standing to achieve loan approval.
- You will analyze various companies’ relationships with UMB to gain a wholistic view of overall financial health.
- You will produce the formal credit write up to summarize the credit standing for approval.
- Work on the more complex loan write ups
- Assist in training Credit Analysts and other associates that rotate through the Credit Department
- Present loan proposals to Discount Committee on a rotating basis to assist during peak times.
- Produce reports pertaining to various aspects of credit for review by senior management including the Board Report
We’re excited to talk with you if:
- You have completed your bachelor’s degree in business, finance or related area.
- 2 years of Credit Department or other loan related experience
- OR equivalent work experience
- Have completed 6 hours of Accounting at a collegiate level.
- Preferred experience in underwriting middle market, franchise, leveraged lending, and/or national companies
Compensation Ranges:
US Employees in California, Washington DC, New Jersey, and New York:
$54,220 - $79,020US Employees in Colorado, Connecticut, Delaware, Illinois, Massachusetts, Maryland, Minnesota, Pennsylvania, Rhode Island, Texas, Washington, and Wisconsin:
$49,510 - $72,340US Employees in all other states not listed above:
$44,790 - $65,650The 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. Please see the description of benefits included with this job posting for additional information.
UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.
Are you ready to be part of something more?
You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.
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 [email protected] to let us know the nature of your request.
If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.
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Skills Required
- Bachelor's degree in business, finance, or related area
- 2 years of Credit Department or other loan-related experience, or equivalent work experience
- Completed 6 hours of collegiate-level Accounting
- Experience underwriting middle market, franchise, leveraged lending, and/or national companies
UMB Banks Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about UMB Banks and has not been reviewed or approved by UMB Banks.
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Leave & Time Off Breadth — PTO is positioned as generous, with at least 20 days for full-time employees that scale with tenure, plus dedicated volunteer hours and a personal well-being day. This breadth is complemented by paid holidays and additional time-off elements described in company materials.
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Parental & Family Support — Up to eight weeks of paid parental leave at 90% of base pay is offered, alongside adoption reimbursement, fertility coverage, caregiver leave, and family-care tools. These supports indicate a robust approach to family and caregiver needs.
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Retirement Support — Retirement offerings include a 401(k) with company match plus profit sharing with an ESOP component. The retirement program is described as a strong aspect of the overall package.
UMB Banks Insights
What We Do
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