Credit Analyst Sr

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 Credit Analyst Sr , you will analyze commercial borrower's credit standing and account relationships with UMB  and their specific industry through the creation of spreads and write-ups. This Senior Credit Analyst role will be assigned complex loan write-ups and will guide the training of less experienced analysts by providing timely review and appropriate feedback to the analyst and to the department manager. How you’ll spend your time:   Generate formal credit write-ups which analyze a commercial borrower’s creditworthiness and account relationship with UMB. This does include independently completing spreads, financial analysis, industry analysis, relationship description & profitability analysis and written narrative for the same. Write-ups are evaluated by loan officers and senior management. Become the department subject matter expert in at least one lending vertical (i.e. agricultural analysis, oil & gas (energy) lending, shared national credits, commercial real estate or others). Assist the department manager in the development and maintenance of training materials for the department; the management of the department workflow and assign incoming requests to analysts as needed; and provide backup to the overall management of the department when the manager is out of the office or as requested. Complete monthly and quarterly reports correctly and on-time. This includes but is not limited to: Board Report, Reg O, and Supervisory Loan to Value. The audience for these reports is the UMBF board of directions and other senior management. As available, there is potential for further development opportunities by satisfactorily completing working Rotations through other bank partner departments including but not limited to: Commercial Underwriting, Strategic Asset Management, Loan Administration, Loan Review, Business Banking Underwriting, Capital Markets, etc. We’re excited to talk with you if:   Bachelors degree in business administration, finance or accounting Minimum of 6 hours of accounting 2-yeasr credit analysis or other applicable accounting or financial services experience Demonstrates mastery and proper application of financial analysis skills Proficient in all credit analysis skills, with the ability to handle complex credit write-ups Ability to appropriately provide constructive feedback to peers Demonstrates proficiency in Microsoft Word, Excel, Windows Demonstrates ability to work with diverse teams that encompasses all levels of associates from various areas of the Bank, by phone and in person Demonstrates strong written & verbal communication skills Demonstrates proficiency in Capital Stream and Loan Accounting Systems This position was posted on 09/03/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

 Compensation Range: $59,085 - $86,922 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. 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