UMB Bank Hiring for Field Examiner at Sacramento, California Full Time

Be part of something more.

A majority of our time is spent “at work.” We believe that time most meaningful when it’s spent around people who care about you and who challenge you. We hire people who know how to make good decisions, because we won’t be constantly looking over your shoulder—you’ll be empowered to do what’s right for our customers. Most importantly, we’re a partner. We partner with our associates to help them thrive personally and professionally. We partner with our communities and the organizations that support them. And, we partner with our customers to create an experience they won’t find elsewhere.

Are you ready to be a 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 opportunity . UMBers are known for having multiple careers here and having their voices heard.

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.

Working as the Field Examiner, you will be responsible to help protect the assets of UMB Bank n.a., by assessing lending risk levels extended to its customer base. You will provide the company’s front line defense against fraud in our business transactions. You will conduct collateral exams on existing customer to identify collateral issues, to note any changes in the business, and to assess that the customer remains compliant to ensure the loan is performing to the standards to which it’s been underwritten. You will prepare written recommendations for any additional reserves pointing out and identifying any additional strengths and weaknesses in the business you are examining. You will independently conduct survey exams on new client prospects, and make recommendations to senior UMB management regarding the prospect company and recommending any changes to the proposed structure of the loan. With regard to continuing education, you will attend field exam training courses. Periodically, you will attend portfolio review meetings for regional office to better understand the complexities of the clients we are assisting. You will also be asked to create forms, systems, and processes necessary to maintain files and improve operational efficiency throughout the department. Being a Field Examiner with UMB, you will have many opportunities to further your career and gain additional knowledge about our customers and how to better serve continued growth.

Working at UMB is about our internal collaborative spirit, entrepreneurial pride, encouraging creativity, rewarding success, having fun winning business, community involvement, and being valued not only for the work that you do, but also for the person the you are.  You are encouraged to bring your thoughts to the table, no matter the role that you are in.  

We’re excited to talk with you if:

• If you have 1 years of field exam experience within asset based lending (ABL) or related industry experience.

• If you have demonstrated ability to work directly with clients with tact and diplomacy, and the ability to make independent, sound judgements, decisions and have an understanding of how decisions affect business lines and organizations as a whole with your exam findings.

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] or call 816-860-7972 to let us know the nature of your request.

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.