Responsible to manage the strategic client relationships in Business Banking which will include managing an existing portfolio of business and the acquisition of new business. Clients generally are between $1MM and $10MM in annual revenue.Generate, retain, & expand lending, investment and deposit relationship with new and existing clients through client referrals, centers of influence & direct prospecting.Develop, generate and follow up on new client leads through existing clients, client referrals, COI referrals, & prospecting.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, 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.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 & professional activities in order 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. Bachelors degree OR equivalent work experience5 years proven business banking sales experience Demonstrates strong strategic sales knowledge selling to small business ownersDemonstrates proficient level of business banking product knowledge and product innovationKnowledge of market/industry trendsDemonstrates ability to source/produce efficient credit opportunities.Knowledge of credit and operational risk ability to quantify potential exposure and advise teamUnderstanding of credit underwritingStrong knowledge and understanding of commercial lending practices and loan documentation/loan servicing requirementsDemonstrates knowledge of financial analysis (including ratio and trend analysis and projections)Knowledge of accounting principles and practicesDemonstrated capacity to sell products/services within the financial services industryDemonstrates proficiency in Word, Excel, PowerPoint
Compensation Range:
$63,830.00 - $136,580.00
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 reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.
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