Franchise Credit Analyst

Franchise Credit Analyst

Job Description:

The primary responsibility is to assist UMB relationship managers in assessing and underwriting new SBCRE managed investment loans according to established underwriting policies and practices.

Efficiently Structuring and Utilizing Your Daily Hours:

• Partner with UMB relationship managers to perform credit underwriting duties for existing/prospective client relationships, which may include but are not limited to the following:
• Ascertain the ability of the borrower or guarantor to fulfill repayment obligations through a detailed credit analysis
• Appropriate loan structuring recommendations
• Formulate and prepare the credit packages to be presented to the credit committee for their approval determination
• Creating underwriting paperwork includes analyzing collateral from diverse asset classes and developing pricing and risk rating models that are suitable for each specific credit request.
• Handle the submission of loan applications to the UMB senior loan committee on behalf of relationship managers and provide explanations regarding the assessment and approval of the loan.
• Review the appraisal upon its receipt to confirm that the assumptions used in the appraisal match the underwriting assumptions and meet the approval conditions.
• Provide recurring customer service to existing and prospective clients, which includes direct contact with customers either through participation in joint sales calls with relationship managers or direct correspondence with clients, and perform various projects/tasks as needed with an emphasis on maintaining UMB TUCE at all times.
• Diagnose all connected concerns swiftly while filing all mandated forms and reports promptly and effectively.
• Work collaboratively with team members from diverse areas including loan operations, credit analysis, regional commercial banking, business banking, special asset management, loan review, public finance, capital markets, and international banking to harmonize commercial loan resolutions, the closure procedures, and ongoing commercial loan handling.
• Lead or engage in different REG underwriting projects depending on availability.
• Provide mentorship to REG underwriters and/or portfolio managers at the beginning of their careers.

We’re Excited to Talk to You if You Have:

• A bachelor's degree in business, accounting, finance, or a related field is a fundamental prerequisite
• Successfully handling a diverse range of loans totaling more than $50 million, showcasing adept management proficiency
• Excellent communication skills
• Skilled in recognizing and overseeing maturing loans, extending term loans, restructuring loans, managing approval processes, altering terms, and incorporating new underwriting practices
• Possesses a high level of expertise in assessing credit for major investment commercial real estate properties. Displays a deep understanding of banking products, services, and operational procedures
• Proficiency in deciphering policies and protocols, loan agreements, and competence in analyzing credit reports, financial information, and loan paperwork
• Key requirements include advanced analytical skills, like evaluating commercial real estate assets and markets, as well as reviewing the financial statements of guarantors, which encompass real estate allocations
• Exemplifying the ability to take charge, show self-initiation, and transmit expertise to less seasoned team members
• Displays expertise in Word, Excel, PowerPoint, and commercial lending technology

Are You Poised to Join Something More Meaningful?

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.

Diversity and Inclusivity:

UMB and its affiliated companies are dedicated to fostering inclusion and diversity in the workplace, ensuring that employment opportunities are available to all employees and applicants without regard to race, color, religion, gender, age, disability, military service, veteran status, genetic information, or any other status protected by federal, state, or local law.

Who We Are:

We are not just a business; we are advisors, consultants, problem-solvers, friends, members of the community, experts, all here to assist you in maximizing each moment with a financial foundation that can support your success.

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