BB Team Leader II

As one of UMB's leading lines of business, the  
** Business Banking Team
** is responsible for helping grow the Business Banking loan portfolio with companies generating revenues from $1mm-$20mm.  The team is made up of Business Banking Relationship Officers, Treasury Management Officers, Underwriters, Client Managers, and Analysts.  This team manages Commercial and Industrial relationship throughout its life - developing meaningful connections with management 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*
* ** Team*
* ** Lead*
* ** II** , you will typically manage a team of up to 8.  Recruit, train, and develop staff as needed to retain, expand, and acquire new staff and clients.  Coach and manage performance, career development of staff.  Accountable for assisting with planning & management of budget & delivery of end results.  Accountable for assisting with planning & establishing sales goals & objectives for the territory/region.

 How you'll spend your time:  ** *
* + Hire, lead, manage, motivate, train, develop, and coach a group of Business Banking Relationship Officers and Client Managers.

+ Provide strategic direction and leadership to Relationship Officers to pursue development of new and existing customer accounts.

+ Provide strategic direction and management of budget, FTE, recruitment, portfolio growth & items related to P&L.

+ Sustain profitability and annual growth of sales of financial products and services through providing commercial lending, asset-based lending, and banking services to small business accounts through designated staff.

+ Develop revenue, volume, and market share objectives for assigned staff.

+ Ensure team is monitoring and managing existing credit relationships, which includes note renewals, reviewing, and detailed analysis of current financial statements and collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions, and covenant monitoring, compiles reports necessary to monitor asset and credit quality and compliance with policy/regulation.

+ Responsible to personally manage and grow a portfolio of client relationships in Business Banking.

+ Develop, generate and follow-up on new client leads through existing clients, client referrals and COI referrals.

+ Manage overall relationship profitability & portfolio risk and is responsible for profitable growth of the portfolio assigned (includes loans, deposits, & fee income).  Act as a consultant to clients and a resource to the Bank in developing & retaining business.

+ Provide insight& ideas for enhancing client relationships, client cash flow, profitability, and efficiency.

+ Manage the overall credit quality of assigned portfolio (includes sales, credit analysis, and loan structuring, client and prospect interviews).

+ Monitor & manage existing credit relationship, which includes note renewals, reviewing & detailed analysis of current financial statements & collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions & covenant monitoring, compiling reports necessary to monitor asset & credit quality and compliance with policy/regulation.

+ Negotiate loan proposals, analyze & evaluate credit requests & write loan commitments, recommend appropriate credit grade, make oral/written presentation to underwriter or loan committee, and implement approval/declination action.

+ Participate in community & professional activities in order to enhance the bank's image and expand personal network of business contacts for development of new business.

+ Communicate and collaborate with consistency and transparency with business banking teams and internal partners.

+ Other duties as assigned.

We're excited to talk to you if:  ** *
* + Bachelors degree OR equivalent work experience.

+ 7 years proven business banking sales experience.

+ Demonstrates superior strategic sales knowledge selling to small business owners.

+ Demonstrates high level of business banking product knowledge and product innovation.

+ Strong…