About Working at Commerce 

Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn’t stop there. Our culture is about our people, the ones in our communities and the ones that work with us.  

Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you.

Creating an award-winning culture doesn't come easy. And after more than 155 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let’s talk. 

Compensation Range

Hourly: $29.90 - $39.90 (Amount based on relevant experience, skills, and competencies.)

About This Job

The main purpose of this job is to Assess and Manage the Risk within the Small Business Banking (SBB) loan portfolio.

Essential Functions 

Monitor loan portfolio and identify potential credit concerns by assessing business/personal scores, internal credit triggers, payment behavior, risk reviews, and customer interaction

Perform industry assessment, financial statement analysis, and secondary repayment evaluation on loans identified with potential concerns    

Develop and implement appropriate work-out plans to minimize bank exposure for those credits identified with elevated risk  

Collaborate with Special Assets Group, Relationship Lead, Market Management, Legal, Compliance, Small Business Administration, and Consumer Loan Servicing to ensure assets are properly secured, appropriately managed, and meets internal and external compliance requirements 

Collect on past due payments, property taxes, and loan documentation exceptions in markets supported

Support market(s) with appropriate loan servicing responsibilities to ensure internal and external customer satisfaction levels are met 

Perform other duties as assigned 

Knowledge, Skills & Abilities Required 

Ability to identify elevated credit risk factors in a commercial loan

Knowledge of commercial loan products

Knowledge of loan and legal documentation

Ability to analyze financial statements

Basic compliance knowledge applicable to CRA and HMDA adherence with business loans

Intermediate presentation skills

Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities 

Inquisitive, agile and strong team player with solid written, verbal and interpersonal communication skills 

Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values 

Intermediate level proficiency with Microsoft Word, Excel and Outlook 

Education & Experience 

Bachelor’s Degree in Business, Accounting, Finance or related field or equivalent combination of education and experience required

2+ years experience in credit underwriting within the banking industry required

Lending experience preferred

** Level of role is determined by knowledge, experience, skills, abilities, and education.

*** For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles.  This compensation range is for the SBB Portfolio Administrator I & II - Credit job and contemplates a wide range of factors that are considered in determining most appropriate job level and making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $29.90 to $39.90 per hour.

#LI-Hybrid

The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits.  Click here to learn more.

Location: 922 Walnut, Kansas City, Missouri 64106

Time Type:

Full time