Business Banking Relationship Officer

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BUSINESS BANKING RELATIONSHIP OFFICER I

As one of UMB’s leading lines of business, the Business Banking Relationship Officers are responsible for helping grow the Business Banking loan portfolio, and selling other related revenue generating services to clients. The team is made up of Business Banking Relationship Officers, Treasury Management Officers, Underwriters, Client Managers, and Analysts. This team manages Commercial and Industrial and Practice Finance relationships throughout its life – 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.

BUSINESS BANKING RELATIONSHIP OFFICER I

As one of UMB’s leading lines of business, the Business Banking Relationship Officers are responsible for helping grow the Business Banking loan portfolio, and selling other related revenue generating services to clients. The team is made up of Business Banking Relationship Officers, Treasury Management Officers, Underwriters, Client Managers, and Analysts. This team manages Commercial and Industrial and Practice Finance relationships throughout its life – 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.

As the Business Banking Relationship Officer, you will be selling bank products and services to companies with annual revenues typically between $1mm-$20mm. These products and services are Commercial & Industrial, Practice Finance and Payment Technology solutions that will entice prospective companies to award new business to UMB. You will engage and build relationships in the community with Business Owners, CFOs, CEOs, and Controllers.

You will also manage existing business, maintaining relationship profitability & portfolio risk, and the profitable growth of the portfolio including loans, deposits, & fee income. You have the ability to help clients achieve their financial dreams, streamline business processes and help them better understand theirworkingcash flow needs.

Workingat

UMB is aboutour internalcollaborative spirit, entrepreneurial pride,encouraging creativity,rewarding success, having fun winning business,community involvement,andbeing valued not only for the work that you do, but also for the person you are. You are encouraged to bring your thoughts to the table, no matter the role that you are in.

How You’ll Spend Your Time

• You will utilize your networking abilities in the community by participating in community and professional activities in order to enhance UMB’s image and brand to build new business
• You will utilize your credit skills to qualify companies eligible for loan business while managing the overall credit quality of assigned portfolio to ensure the loan quality
• You will utilize your negotiation skills to negotiate loan proposals, analyze & evaluate credit requests & write loan commitments, for presentation to underwriter or loan committee for loan approval
• Utilizing your communications skills, you will serve as the primary contact for all financial services to individual Business Banking clients with the bank to ensure retention of business

• You have a bachelor’s degree or equivalent work experience of up to 5 years in a commercial lending role
• You have demonstrated experience in sales to small businesses, credit knowledge, and credit underwriting knowledge
• You have strategic industry sales knowledge, and marketing abilities to those industries