As the Client Manager – Energy, you will be underwriting and managing a commercial banking portfolio that is specific to the upstream / midstream oil and gas sector. This role will have a secondary focus on selling deeper into customer relationships. This includes client-facing interaction, underwriting, managing approval processes and legal documentation, as it pertains to supporting a mid-to-large-size portfolio including complicated oil and gas, Reserve Based Loans. Goals will include fee/revenue growth, portfolio retention, portfolio growth, portfolio management / tracking, and making referrals to other verticals/segments of the bank. How you’ll spend your time: You will partner with other officers to effectively administer the management of assigned commercial banking relationships. You will underwrite Oil & Gas, Reserve Based Loans – including engineering data input, financial data input, historical financial analysis, and comprehension/analysis of upstream/midstream oil and gas operations. You will maintain a 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. You will 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. You will serve as a conduit for all product lines and match client needs with appropriate products. Proactively look for cross selling opportunities on bank products. You will navigate internal systems / databases to input / obtain / track portfolio information. Other duties as assigned. We’re excited to speak to you if: You possess a bachelor’s degree in business or Accounting / Finance / Economics / Mathematics or equivalent experience in a related field. You have 5+ years of commercial banking or lending experience including credit underwriting. You demonstrate advanced knowledge of credit and understanding of underwriting. You demonstrate solid financial acumen. You demonstrate advanced knowledge and understanding in 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. You demonstrate the ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents. You demonstrate the ability to be self-starter and show initiative. You demonstrate professional communication skills (verbal & written). You demonstrate proficiency in Word, Excel, PowerPoint. You demonstrate the ability to manage time effectively. You have the ability to prospect and network at various levels within a company. You demonstrate analytical skills. Bonus points if: You possess 3+ years of oil and gas underwriting / analysis. You have exposure to oil and gas industry / underwriting. You have knowledge of bank products, services, and bank operations. _____________________ As the Sr. Client Manager - Energy, you will manage a commercial banking portfolio that is specific to the oil and gas sector, and will have a secondary focus on selling deeper into the customer relationship. Will have responsibility for a mid to large-size portfolio including the most complex credits. Grow revenue as directed by senior management to meet established goals by successfully prospecting new opportunities with existing clients and making appropriate referrals. How you’ll spend your time: You will partner with other officers to effectively administer the management of assigned oil & gas banking relationships. You will maintain a 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. You will 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 maintaining UMB TUCE at all times. You will serve as a conduit for all product lines and match client needs with appropriate products. Proactively look for cross selling opportunities on bank products. Other duties as assigned. We’re excited to talk to you if: You possess a bachelor’s degree in Business or Accounting / Finance or equivalent experience in a related field. You have 8+ years commercial banking or lending experience including credit underwriting. You demonstrate advanced knowledge of credit and understanding of underwriting. You demonstrate strong financial acumen. You demonstrate advanced knowledge and understanding in 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. You demonstrate ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents. You demonstrate ability to be self-starter and show initiative. You demonstrate strong communication skills (verbal & written). You demonstrate proficiency in Word, Excel, PowerPoint. You demonstrate ability to manage time effectively. You have the ability to prospect and network at various levels within a company. You demonstrate strong analytical skills. You have strategic sales meetings skills. Bonus points if: You have 5+ years of managing oil & gas relationships. You have knowledge of bank products, services, and bank operations. You have product training. This position was posted on 09/08/2026. The application deadline for this position is 45 days from the posting date unless filled earlier. Compensation Range: $98,208 - $144,705 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 [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. #LI-AS1 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

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