Client Manager - Asset Based Lending

As one of UMB’s commercial lending verticals, the team is responsible for growing the Asset Based Lending loan portfolio, and selling other related revenue generating services to clients. The team is made up of Business Development Officers (Originators), Underwriters, Client Managers, Collateral Analysts and Field Examiners. This team manages Asset Based Loans throughout its life cycle – developing meaningful connections with leadership of the companies they serve. Always mindful of the changes in the company, its industry, etc., over time that might create a change in their financial service needs.

As the Client Manager, you will work directly with an Asset Based Lending Client Portfolio building long term relationships with key decision makers of assigned borrowers and prospects. You will work closely with the Collateral Analysts and Field Examiners to ensure proper documentation and facilities management is ongoing. You will play a critical role monitoring your assigned borrowers to ensure the loan is performing up to standard, monitoring credit, loan compliance, to protect UMB from potential exposures and to contribute to profitability. You will learn the borrower’s business and industry needs to better evaluate future cash flow. You have the ability to help clients achieve their financial dreams, stream line business processes and help them better understand their working cash flow needs.

How you’ll spend your time:

• You will play a key role understanding client needs, their loan structures, loan requirements, collateral perfection, legal documentation, financial performance, potential loss exposures, industry trends to help mitigate exposure.
• You will utilize your credit and underwriting skills to recommend loan modifications reporting requirements and facility structures based on financial performance and risk ratings for assigned borrowers.
• Based on company performance, you will assign the borrower a risk rating, recommending and submitting potential changes to risk ratings based on company performance.
• You will complete timely reviews of monthly financial statements, financial covenant compliance, collateral reports, verification results, ABL trend analysis, and other relevant information to identify risk.
• Utilizing your credit background, you will review and approve daily advance requests from assigned borrowers in accordance with collateral availability, credit status, and approval authority.

We’re excited to talk with you if:

• You have a Bachelor’s degree or equivalent work experience of up to 2 years in a Asset Based Lending role.
• You have experience working face to face with clients in a client interfacing role.
• You can demonstrate thorough knowledge of acceptable asset based lending standards and practices.
• You can demonstrate working knowledge of the use of financial statements and budgets.
• You can demonstrate proficiency with all Microsoft Office programs including Word, Excel and Outlook.
• You can demonstrate ability to address and adhere to confidential information policies.

Bonus points is:

• You have worked in portfolio management, and have experience in workout or bankruptcy.

This position was posted on 10/26/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range:

$141,354 - $207,900

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 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 talentacquisition@umb.com to let us know the nature of your request.

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