Business Banking Relationship Manager II

Responsible to manage the strategic client relationships in Business Banking, which includes managing an existing portfolio of businesses and acquiring new business. Clients generally are between $1MM and $10MM in annual revenue. Generate, retain, and expand lending, investment, and deposit relationships with new and existing clients through client referrals, centers of influence, and direct prospecting. Develop, generate, and follow up on new client leads through existing clients, client referrals, COI referrals, and prospecting.

Manage overall relationship profitability and portfolio risk and is responsible for profitable growth of the assigned portfolio (includes loans, deposits, and fee income).

Act as a consultant to clients and a resource to the Bank in developing and retaining business. Provide insight and ideas for enhancing client relationships, cash flow, profitability, and efficiency. Manage the overall credit quality of the assigned portfolio (includes sales, credit analysis, loan structuring, client and prospect interviews). Monitor and manage existing credit relationships, which includes note renewals, reviewing detailed analysis of current financial statements and collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions and covenant monitoring, compiling reports necessary to monitor asset and credit quality, and ensuring compliance with policy and regulation.

Negotiate loan proposals, analyze and evaluate credit requests, write loan commitments, recommend appropriate credit grade, make oral and written presentation to underwriter or loan committee, and implement approval or declination action. Serve as the primary link for all financial services to the individual Business Banking client with the bank (i.e. Treasury Services, International, Trust, and Cash Vault). Participate in community and professional activities to enhance the bank’s image and expand personal network of business contacts for development of new business.

Monitor accounts to identify potential credit problems and assure proper loan documentation. Customers tend to have complicated lending requirements involving term loan agreements, commercial real estate, and revolving credit lines. Communicate and collaborate with consistency and transparency with business banking teams and internal partners. Consistently use and maintain CRM usage. Other duties as assigned.

Bachelor's degree or equivalent work experience; 5 years proven business banking sales experience. Demonstrates strong strategic sales knowledge selling to small business owners. Demonstrates proficient level of business banking product knowledge and product innovation. Knowledge of market/industry trends. Demonstrates ability to source/produce efficient credit opportunities. Knowledge of credit and operational risk, ability to quantify potential exposure, and advise team. Understanding of credit underwriting.

Strong knowledge and understanding of commercial lending practices and loan documentation/loan servicing requirements. Demonstrates knowledge of financial analysis (including ratio and trend analysis and projections). Knowledge of accounting principles and practices. Demonstrated capacity to sell products and services within the financial services industry. Demonstrates proficiency in Word, Excel, and PowerPoint.

Compensation Range:

$63,830.00 - $

The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. 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…