UMB Bank

• Deliver the Unparalleled Customer Experience and build relationships through customer interactions to resolve issues • Provide service and support to our customers through multiple contact portals • Review all processes and procedures critically to determine efficiency and recommend changes as needed • Maintain a high level of knowledge/awareness in current business objectives • Act as subject matter expert and point of contact for Mainstream call center agents, branch representatives, and internal Business Partners • Provide proactive communication with clients and internal business partners regarding all components of client experience • Research escalated issues and resolve or refer resolution to appropriate teams • Deliver exceptional customer service to customers and clients when identifying and resolving needs • Assist our customers over the phone regarding commercial issues • Review daily and weekly reports

• Serve as primary point of contact for commercial clients via phone or email to support day-to-day servicing needs • Develop a relationship with the client proactively to identify solutions to problems and improve the client experience • Help to onboard new checking, savings, and CD accounts for clients • Understand the client’s expectations and needs to serve as the point person for all their banking needs • Respond with a sense of urgency to all internal and external client calls, questions and/or concerns • Work in collaboration with the Relationship Team while setting clear expectations regarding deliverables and due dates • Ensure The Unparalleled Customer Experience (TUCE) through quality service and coordination of client needs with other functions as needed and serve as liaison for client • Provide client point of contact for day-to-day banking needs, questions, research, etc. • Manage resolution of client needs by identifying and coordinating appropriate bank resources by partnering with internal departments to ensure client needs are met and problems are followed through to resolution • Identify opportunities proactively for clients to self-serve

Title: Comml Relationship Mgr III Location: AZ - Phoenix - 2777 East Camelback Rd Job Description: Full time job requisition id R-8927 The Commercial Banking team actively calls on businesses that typically have annual revenue between $50MM and $500MM.  The team includes relationship managers, treasury management officers and others that provide a suite of products and services that serve companies of this size.   The objective of the group is earn the title of trusted advisor and help these companies grow and prosper in our community. As the Sr. Relationship Manager you will be responsible for increasing the Bank’s profitability by cultivating new commercial relationships and the expansion/retention of existing relationships.    In this role you must utilize your credit acumen and be knowledgeable in non-credit products such as treasury management, virtual card, trust, etc.  Successful candidates for this role will be resilient, agile, accountable and driven.  How you’ll spend your time: - Build your own commercial loan portfolio by prospecting for new Commercial & Industrial business.  - Engage and lead other team members to determine what other products and services the client might benefit from.   - Collaborate with commercial clients to better understand their business and financial needs.     - Analyze the business in order to qualify clients for bank products and services.      We’re excited to talk to you if:   - You have 5 years sales experience with 2 years in Commercial Bank Sales.   - You hold a Bachelor’s degree or equivalent experience in related field.  - You are curious and want to know how companies work and what helps them remain successful in their respective industries.  - You have demonstrated knowledge of credit, bank products, services, underwriting and bank operations.   Compensation Ranges: US Employees in California, Washington DC, New Jersey, and New York: $120,750 - $189,000 US Employees in Colorado, Connecticut, Delaware, Illinois, Massachusetts, Maryland, Minnesota, Pennsylvania, Rhode Island, Texas, Washington, and Wisconsin: $110,250 - $173,030 US Employees in all other states not listed above: $99,750 - $157,060 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. 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

• Responsible for day-to-day operations associated with the department, including new account and user set up • Provide product feature and functionality expertise for client training • Conduct funds management oversight for NSCC and overdraft monitoring • Oversee ancillary FDIC Sweep administration and balancing

• Provide support of day to day operational/client service activities while effectively monitoring daily receivables, journal posting, cash reconciliation, fund position tracking • Identify business solutions for changes to business processes, policies, and systems • Resolve the most complex issues for high-profile clients and deal structures • Provide day-to-day support to existing institutional/corporate trust accounts including billing for administrative fees, recommending fee increases, facilitating transaction closing • Handle cash and investment transactions, monitoring cash activities and compliance items, providing debt service calculations, executing payment generation and follow-up • Responsible for accurate/timely setup or delegation to associates of issues on all systems, preparing accounts for compliance review and responding appropriately to compliance exceptions • Review deal documents alongside Relationship Managers to ensure operational mechanics are appropriate • Assist operational group to ensure cash processing and procedures fit within any new products the team onboards • Develop and lead trainings related to Corporate Trust products and services • Actively participate as a subject matter expert for ongoing projects and system testing • Participate in cross-training to learn other Corporate Trust roles and provide support as needed • Provide indirect management of junior fund accountants • Work with business solutions team to document business requirements for system and process improvement • Organize and oversee team testing methodology for test scripts and appropriate full-cycle testing (unit, integration, system, and QA)

Role Description Join our UMB CLO Administration team, where we serve as trustee and collateral administrator on Collateralized Loan Obligations (CLOs) and related structured credit transactions. As a Senior Transaction Manager, you will own the negotiation, closing, and ongoing administration of these deals for a portfolio of our largest and most complex clients. This role reports directly to the SVP and Head of CLO Administration. While an in-person position at UMB's Orange County, CA office is strongly preferred, the role is open to remote applicants with the expectation of periodic travel. How you’ll spend your time: - Provide highly complex support to an assigned group of the largest trustee clients with the most complex needs. - Negotiate transaction documents and close transactions for which UMB Bank is being appointed as trustee, collateral administrator, calculation agent, and similar Corporate Trust capacities. - Work extensively with external counsel representing UMB on these transactions to negotiate documents and resolve issues through closing. - Review legal and transaction documents to ensure operational mechanics and UMB Bank protections are appropriate. - Liaise internally with operations, compliance, corporate trust legal and other internal support groups to ensure duties and obligations set forth in legal documents and operational mechanics conform with UMB systems requirements, controls, and policies. Qualifications - Bachelor's degree or equivalent work experience. - At least seven (7) years of relevant experience. Requirements - Compensation Ranges: - US Employees in California, Washington DC, New Jersey, and New York: $83,810 - $131,550 - US Employees in Colorado, Connecticut, Delaware, Illinois, Massachusetts, Maryland, Minnesota, Pennsylvania, Rhode Island, Texas, Washington, and Wisconsin: $76,520 - $120,210 - US Employees in all other states not listed above: $69,230 - $109,120 - 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. Benefits - Paid Time Off - 401(k) matching program - Annual incentive pay - Paid holidays - Comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage - Health savings, flexible spending, and dependent care accounts - Adoption assistance - Employee assistance program - Fitness reimbursement - Tuition reimbursement - Associate wellbeing program - Associate emergency fund - Various associate banking benefits

• Use banking and lending knowledge to advise UMB clients on mortgage needs • Use salesmanship skills to build a pipeline and convert leads into clients • Use interpersonal skills to build relationships and attract clients • Use communication skills to ensure clients are aware of mortgage loan progress

Role Description The Senior Securities Services Operations Analyst is a part of the Trust Operations team that assists with the processing of mandatory and voluntary corporate action events, for both domestic and foreign securities. Within the Trust Operations environment, this team interacts with various UMB clients and internal partners to evaluate and process corporate action elections and payments. Training consists of hands-on learning and weekly industry knowledge discussions. These associates each have a specific and impactful function for our clients and UMB to ensure accurate process requests. The Trust Operations team are subject matter experts in corporate actions and utilize their analytical skills to complete tasks. As an Analyst, you will be responsible for ensuring corporate actions are completed accurately and timely to illuminate risk and financial exposure. This position assists internal client-facing teams with any questions and issues they may face while creating an unparalleled client experience. You will assist the manager with election, reconciliation, and payment reviews for other members on the team along with being stand-in manager when their manager is away. You can expect a fast-paced environment with unpredictable scenarios while maintaining flexibility and adaptability to client-facing teams and team needs such as being a backup for any position for day-to-day responsibilities. Our associates are motivated to be self-driven and enjoy the challenge of learning new skills while controlling the progression of their career. This role focuses on ensuring their team operates at maximum potential by providing team training, implementing and testing for new systems or systems upgrades, and identifying efficiencies for the department. The Trust Operations team is about creating strong connections amongst its associates to develop and maintain a positive working experience. You are valued for who you are in a fun, professional setting. It is a smaller team that works closely together to ensure everyone is successful. Associates are supported and encouraged to work with their manager to develop roadmaps for opportunity within Operations and beyond. How you’ll spend your time: - You will use problem-solving skills to complete corporate actions processing in a detailed manner and very deadline-driven environment. - You will use your strong communication skills to make a positive client experience and team experience. - You will use your leadership skills to ensure the team is functioning at full capacity. Qualifications - Any combination of six (6) years securities processing experience and/or college course work. - Experience working with vendor products and technology. - You have one (1) to three (3) years of experience in Corporate Action events both mandatory and voluntary (tenders, mergers, stock splits, etc.). Requirements - Compensation Ranges: - US Employees in California, Washington DC, New Jersey, and New York: $62,310 - $90,760 - US Employees in Colorado, Connecticut, Delaware, Illinois, Massachusetts, Maryland, Minnesota, Pennsylvania, Rhode Island, Texas, Washington, and Wisconsin: $56,890 - $83,080 - US Employees in all other states not listed above: $51,480 - $75,410 - 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. Benefits - Paid Time Off - 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 - Various associate banking benefits

• Generates new business opportunities and manages a customer portfolio defined in the business plan • Delivers exceptional service in managing his/her book of business and building client relationships • Partners with internal Portfolio Management and Research to fully understand market narrative, manager selection and monitoring, strategy decisions, and effectively communicate recommendations • Regularly meets with clients for on-going plan/investment reviews • Educates and communicates with clients about market conditions, plan/account investments, performance, strategy, changes in regulatory or tax environment, and other factors which may influence plan decisions • Provides consultation to plan sponsors on the development of a participant education program to support the client’s objectives • Facilitates or delivers participant education and advice • Creates and maintains networking relationships to create a pipeline of business • Achieves annual new business revenue goals for assigned accounts and/or territory • Maintains client information in a CRM tool • Understands the benefits of products and effectively differentiate UMB's Retirement Services from the competition • Provides interdisciplinary expertise to clients when needed while partnering with bank leadership and other departments • Performs other duties as assigned.

• Operate within the Loan Review Charter and Loan Review Manual as approved by the UMBFC Board Risk Committee • Conduct individual loan reviews within the schedule determined by the Director and approved by the Risk Committee • Review individual loans and loan portfolios to: Ensure underwriting credit analysis is sound and justifies/mitigates the identified credit risk • Assess the overall quality of the loan portfolio and the adequacy of loan administration practices by reviewing a pool of individual loans • Ensure risk rating reliability and timeliness of rating changes • Identify actual and potential loan problems at the earliest possible time and make recommendations to remediate credit weaknesses • Measure compliance with established policies/procedures and with laws and regulations • Interact with loan officers, commercial team leaders, and commercial group managers to discuss and evaluate individual credits, compliance with policy, and appropriateness of loan administration functions • Act as Reviewer in Charge by coordinating the review process of a lending unit or portfolio of loans • Consolidate the data from the individual loans review • Write the Loan Review Report • Present findings to senior and executive management • Assist with training, development, and mentoring of new associates in the department.