UMB BANK NA

Assist REG lenders and portfolio managers in loan analysis, documentation, and monitoring activities, ensuring compliance and effective communication. | Bachelor's degree, 1+ years banking or regulatory experience, understanding of credit policies, proficiency in Word, Excel, PowerPoint, and commercial lending software. | This role is responsible for assisting Real Estate Group (REG) Lenders in the analysis of new REG loan opportunities and Portfolio Managers (Levels 1, 2 & Sr) in various REG portfolio management activities. Real Estate Group (REG) loans generally consist of non-owner occupied CRE loans. Key highlights of the role will include the following: Partner with Relationship and Portfolio Managers to effectively administer the underwriting and risk management of a variety of REG loan relationships; Request financials from Borrowers and clear associated ticklers; Monitor and document covenant compliance in Capital Stream; Work within protocols and maintain tracking of documentation exceptions, past dues, and covenant exceptions; Create finance request and upload incoming loan applications and related loan documents to Capital Stream; Assure applications are complete; For incomplete applications, communicate with UMB sales associate to collect missing loan application checklist items; Forward complete applications to underwriting; Manage Group Mailbox inquiries and respond in timely fashion; Assist in monitoring and collection of past due loan payments; Complete financial spreads upon receipt in Moody’s; inform Portfolio Manager when covenant test is ready to complete; Assist in spreading for all regions as requested; Review loan documentation prior to closing for discrepancies from the original approval, communicate any discrepancies and input covenants into Capital Stream after closing, and deactivate covenants as loans pay off; Write approval memos should changes to reporting requirements be necessary after loan closing; Provide recurring customer service to existing and prospective clients, which may include direct contact with customers either through participation in joint sales calls with loan officers or direct correspondence with clients and perform various projects/tasks as needed with an emphasis on maintaining UMB TUCE at all times; Assist as needed with appraisal service requests and environmental requests and coordinate with appropriate parties throughout the appraisal and environmental process; Pull Thomson Reuters reports, create customers and requests in Capital Stream, assist in closing process, assist in setting up ShareFile for customers and download/organize documents when requested by REG lenders, Portfolio Managers, the REG Portfolio Administration Manager or the REG regional manager; Other duties as assigned. Must have Bachelor’s degree and 1+ years banking or equivalent regulatory/bank policy experience; Current valid driver’s license; Strong communication skills (verbal & written); Understanding of credit underwriting; Ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents; Knowledge of bank products, services, and bank operations; Ability to be self-starter and show initiative; Proficiency in Word, Excel, PowerPoint; and familiarity with commercial lending software Compensation Range: $49,510.00 - $95,170.00 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 talentacquisition@umb.com 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. Who we are We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision Check out the road to a career at UMB

Designing and building cloud-native data pipelines and platforms to support AI/ML workloads in a regulated financial environment. | Bachelor's in a related field with at least 3 years of experience in cloud data engineering, proficiency in SQL and Python, familiarity with cloud platforms and data pipeline frameworks, and understanding of data governance. | UMB’s Artificial Intelligence (AI) team is responsible for driving automation, data-driven decision making and software modernization using AI centric tools. Currently, we leverage machine learning, natural language processing, predictive analytics, and generative AI to enhance customer experience, and improve operational efficiency. This includes utilizing fraud protection software to ensure regulatory and system availability. As AI Cloud Data Engineer, you will be responsible designing, building, and optimizing cloud-based data pipelines and platforms that support enterprise AI/ML workloads. This role combines cloud engineering and data engineering expertise to deliver secure, scalable, and compliant data solutions in hybrid and multi-cloud environments. The AI Cloud Data Engineer works closely with architects, data scientists, and application teams to ensure data quality, governance, and performance for AI-driven initiatives across payments, fraud detection, compliance, and customer experience. This is a subset of the overall responsibilities which will include multiple initiatives as assigned by IT leadership. This role is hybrid (Mon through Thu on-site / Fri remote) for candidates in the Kansas City metropolitan area and open to qualified remote candidates outside of the Kansas City area but only within the US. How you’ll spend your time: Design and develop cloud-native data pipelines to support AI/ML training, validation, and inference. Build and optimize data lakes, warehouses, and lakehouse environments (e.g., Delta Lake, Apache Iceberg) in the cloud. Collaborate with AI Data Architect and AI Cloud Architect to ensure data platforms meet enterprise standards. Automate ETL/ELT workflows and orchestration using tools such as Airflow, Glue, and Dataflow. Ensure compliance with financial data security, governance, and regulatory requirements (GLBA, GDPR, OCC, FFIEC). Integrate structured, unstructured, and streaming data sources from banking systems, payment hubs, and customer channels. Implement monitoring and observability solutions for cloud-based data pipelines. Optimize data workflows for performance, scalability, and cost efficiency in cloud environments. Support disaster recovery, resiliency, and data availability strategies for AI platforms. Troubleshoot data pipeline, integration, and cloud deployment issues. We’re excited to talk with you if: You have a Bachelor’s degree in Computer Science, Data Engineering, Cloud Computing, or related field and at least 3 years of experience in cloud data engineering or enterprise data integration, OR equivalent combination of education and work experience. You have proficiency with at least one major cloud platform (AWS, Azure, GCP). You have experience with SQL and programming languages such as Python, Scala, or Java. You have familiarity with containerization and orchestration (Docker, Kubernetes). You have expertise in data pipeline frameworks (Apache Spark, Kafka, Flink, Dataflow). You have knowledge of cloud-native data services (AWS Redshift, Glue, Snowflake, BigQuery, Azure Synapse). You have familiarity with MLOps and integrating data workflows with AI model lifecycle. You have strong understanding of data governance, lineage, and metadata management. You have the ability to design fault-tolerant, secure, and scalable data workflows in the cloud. Bonus Points If: You have a Master’s degree in Data Science, Cloud Engineering, or related discipline and at least 5 years of experience in cloud data engineering within financial services or regulated industries. You have any of the following certifications: AWS Certified Data Analytics Specialty, Google Professional Data Engineer, or Microsoft Azure Data Engineer Associate. You have experience with regulatory reporting and AI-ready data pipelines. You have a background in high-volume financial data systems or real-time payments. You have hands-on experience with Lakehouse technologies (Delta Lake, Apache Iceberg, Hudi). You have knowledge of distributed data architectures and data mesh patterns. You have familiarity with AI observability tools and data drift monitoring. You have experience with privacy-preserving technologies and secure data-sharing frameworks. You have deep understanding of cloud cost optimization for data-intensive AI workloads. Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position. Application Deadline: March 8, 2026 Compensation Range: $69,230.00 - $149,000.00 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 talentacquisition@umb.com 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. Who we are We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision Check out the road to a career at UMB

Manage a commercial banking portfolio by growing revenue, maintaining client relationships, underwriting credit, and cross-selling bank products. | Bachelor's degree in Business, Accounting or Finance plus 8+ years commercial banking/lending experience with strong credit underwriting and financial analysis skills. | COMMERCIAL CLIENT MANAGER-ALBUQUERQUE, NM The Commercial Client Manager manages a Commercial portfolio and will have a secondary focus on selling deeper into the customer relationship. They will have responsibility for a mid to large size portfolio including complex credits. Additionally, this role will focus on deposit gathering, public funds, charter schools & tribal gaming. How you will spend your time: Grow revenue as directed by senior management to meet established goals by successfully prospecting new opportunities with existing clients and making appropriate referrals Partner with other officers to effectively administer the management of assigned commercial banking relationships Maintain portfolio by calling on existing customers to expand existing business, ensure excellent client relations & proper servicing of account(s), and ensure the portfolio's credit quality. Provide recurring customer service to existing and prospective clients, which includes direct contact with customers either through participation in joint sales calls with other officers or direct correspondence with clients and perform various projects/tasks as needed with an emphasis on providing The Unparalleled Customer Experience (TUCE) at all times Serve as a conduit for all product lines and match client needs with appropriate products. Proactively look for cross selling opportunities on bank products We’re excited to talk with you if you have: Bachelor's degree in Business, Accounting or Finance or equivalent combination of education and 8+ years of commercial banking/lending experience, including credit underwriting Expert knowledge and understanding of how to identify and process maturing loans, line renewals, term loans that need to be extended, how loans can be restructured, approval process, change terms, etc. Strong ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents Ability to be self starter and show initiative Excellent communication skills, both written and verbal Strong proficiency with Word, Excel and PowerPoint Ability to manage time effectively Compensation Range: $69,230.00 - $149,000.00 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 talentacquisition@umb.com 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. Who we are We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision Check out the road to a career at UMB

Manage and expand business relationships with large distribution channel partners and direct HSA clients to drive engagement, retention, and growth. | Seven or more years of healthcare, customer service, sales support, or relationship management experience, bachelor’s degree or relevant experience, and ability to obtain industry certifications within 6 months. | UMB’s Healthcare Services team delivers healthcare payment solutions including custodial services for health savings accounts (HSAs) and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers and financial institutions. UMB Healthcare Services is one of the top custodians in the country and is a growing team within UMB, with a focus on an expanding product set along with customized solutions tailored to our partners. This team is critical to UMB’s growth strategy and allows our customers to have a single relationship for their banking and HSA needs. As a Healthcare Services Senior Account Executive for our Client Experience team you will operate as the primary contact for large scale distribution channel partners and other strategically assigned direct HSA clients. You will manage, maintain, and expand the business relationship in order to drive client engagement, retention, and growth. The role is responsible for developing deep relationships with customers building credibility and confidence as a trusted advisor. You will need to gain familiarity with the client's historical needs, as well as the UMB solutions provided over the years. Working in the Healthcare Services division can be exciting, challenging, and rewarding. Our team is helpful, passionate, and well supported from all levels of UMB. We are a performance driven group who is focused on client solutions, growing within the industry, and remaining as a top choice in healthcare services. It is an environment where the associates take pride in their work, support each other, provide the resources needed to succeed, and always work as a team. How you’ll spend your time: You will develop relationships with named prospects/customers/brokers building credibility and confidence as a trusted advisor. You will assess and identify a prospect/broker’s current needs to sell and provide ongoing account management support for the HCS suite of HSA/notional products. You will prepare and present proposals and account reviews to Healthcare Services prospects and clients. You will act as primary point of contact the employer and broker, working with UMB’s various systems (including but not limited to HOGAN, Salesforce, & Power BI) and internal team to ensure that the client receives timely response when questions and issues arise. May act as liaison between commercial BDOs and operations or HCS and UMB HSA Service Center. We’re excited to talk with you if: You have a bachelor’s degree or relevant experience You have seven (7) or more years of healthcare, customer service, sales support, or relationship management experience You possess the industry certifications (ECFC, HSAe,) or ability to obtain within 6 months Compensation Range: $57,760.00 - $124,170.00 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 talentacquisition@umb.com 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. Who we are We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision Check out the road to a career at UMB