Business Banking Underwriter

Small Business Banking Underwriter-Hybrid: Kansas City, MO/Dubuque, IA/Denver, CO

The Small Business Banking Underwriter will analyze and make credit decisions for small business banking clients in accordance with UMB policies and Federal regulations.  They will complete cash flow, capital and collateral analysis for credit requests and properly structured approved loans.

Duties & Responsibilities:

• Analyze financial statements

• Utilize bank systems for loan processing and completion of loan proposal

• Complete underwriting and communicate credit decisions within SLA benchmarks

• Work closely with bank associates to facilitate loan closings

• Manage pipeline of credits and prioritize incoming credit requests and tasks

• Maintain working knowledge and stay current on lending and other bank policies

Qualifications:

• Bachelor's Degree in (or emphasis in) business, marketing or finance preferred

• 2+ years of experience in commercial lending or related banking

• Proficiency on MS Office products (Word, PowerPoint, and Excel)

• Excellent communication skills (written & verbal)

• Good interpersonal & relationship building skills

• Strong understanding & knowledge of accounting principles, financial statements, & marketing practices

• Knowledge of SBSS Scoring Model preferred

• Ability to analyze and review loan applications to provide profitable results in the underwriting of small business loans and related credit products

Application Deadline: March 30, 2026

Compensation Range:

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 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.