BB Team Leader II

Responsibilities

Will 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.

• Bachelor's 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 knowledge of market/industry trends
• Demonstrates strong ability to source/produce efficient credit opportunities
• Knowledge of credit and operational risk ability to quantify potential exposure and advise team
• Strong understanding of credit underwriting
• Extensive knowledge and understanding of commercial lending practices and loan documentation/loan servicing requirements
• Demonstrates advanced knowledge of financial analysis (including ratio and trend analysis and projections)
• Thorough knowledge of accounting principles and practices
• Demonstrated capacity to sell products/services within the financial services industry
• Strategic sales planning to define target markets, strategic sales approaches, and provide solutions
• Enhance communication and negotiation skills for more complex deals and relationships
• Manages time effectively to balance new & existing relationships to meet goals
• Demonstrated ability to mentor others
• Demonstrated leadership skills
• Demonstrates proficiency in Word, Excel, Power Point

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…