The Business Banking team actively calls on businesses that typically have annual revenue between $1MM and $20MM. The team includes relationship managers, client managers officers, treasury management officers and others that provide a suite of products and services that serve companies of this size. The objective of the group is to earn the title of trusted advisor and help these companies grow and prosper in our community.
As the Business Banking Relationship Officer Sr. , you will be responsible for increasing the Bank's profitability by cultivating new commercial relationships and the expansion/retention of existing relationships. In this role you must utilize your credit acumen and be knowledgeable in non-credit products such as Deposit products, treasury management, virtual card, trust, etc. Successful candidates for this role will be resilient, agile, accountable, and driven. This role is hybrid (Tues/Wed/Thur on-site).
How you'll spend your time:
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.
We're excited to talk to you if:
You posses a Bachelor's degree OR equivalent work experience.
You have 7 years proven business banking sales experience.
You are able to articulate superior strategic sales knowledge of selling to small business owners.
You demonstrate a high level of business banking product knowledge and product innovation.
You possess a strong knowledge of market/industry trends.
You can give examples of sourcing/producing efficient credit opportunities.
You have a knowledge of credit and operational risk-ability to quantify potential exposure and advise team.
You show a strong understanding of credit underwriting.
You have extensive knowledge of commercial lending practices and loan documentation/loan servicing requirements.
You can demonstrate advanced knowledge of financial analysis (including ratio and trend analysis and projections).
You have thorough knowledge of accounting principles and practices.
You demonstrate proficiency in Word, Excel, and PowerPoint.
Compensation Range:
$76,520.00 - $163,900.00
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.
Are you ready to be part of something more?
You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.
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