UMB Bank
Overview
Business Banking Relationship Officer II As one of UMB’s leading lines of business, the Business Banking Relationship Officers are responsible for helping grow the Business Banking loan portfolio, and selling other related revenue generating services to clients. The team includes Commercial & Industrial and Practice Finance relationships, Treasury Management Officers, Underwriters, Client Managers, and Analysts. This team manages Commercial and Industrial and Practice Finance relationships throughout their life cycle, developing meaningful connections with leadership of the companies they serve and adapting to changes in the company or industry that might alter financial service needs. As the Business Banking Relationship Officer, you will sell bank products and services to companies with annual revenues typically between $1 million and $20 million. These products and services include Commercial & Industrial, Practice Finance, and Payment Technology solutions that will entice prospective companies to award new business to UMB. You will engage and build relationships in the community with business owners, CFOs, CEOs, and controllers. You will also manage existing business, maintain portfolio profitability and risk, and support the profitable growth of the portfolio including loans, deposits, and fee income. You will help clients achieve their financial goals, streamline business processes, and better understand their cash flow needs. Working at UMB reflects an internal collaborative spirit, entrepreneurial pride, encouragement of creativity, rewarding success, community involvement, and being valued for both the work you do and the person you are. You are encouraged to share your thoughts regardless of the role you hold. Responsibilities
You will utilize your networking abilities in the community by participating in community and professional activities to enhance UMB’s image and brand to build new business You will utilize your credit skills to qualify companies eligible for loan business while managing the overall credit quality of the assigned portfolio to ensure loan quality You will utilize your negotiation skills to negotiate loan proposals, analyze and evaluate credit requests, and write loan commitments for presentation to underwriter or loan committee for loan approval Using your communication skills, you will serve as the primary contact for all financial services to individual Business Banking clients with the bank to ensure retention of business Qualifications
You have a bachelor’s degree or equivalent work experience of 5+ years in a commercial lending role You have demonstrated experience in sales to small businesses, credit knowledge, and credit underwriting knowledge You have strategic industry sales knowledge and marketing abilities for those industries Compensation
$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. This range does not encompass the full earning potential for this role. 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. EEO and Accommodation
UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities regardless of race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please email talentacquisition@umb.com with your request. If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.
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Business Banking Relationship Officer II As one of UMB’s leading lines of business, the Business Banking Relationship Officers are responsible for helping grow the Business Banking loan portfolio, and selling other related revenue generating services to clients. The team includes Commercial & Industrial and Practice Finance relationships, Treasury Management Officers, Underwriters, Client Managers, and Analysts. This team manages Commercial and Industrial and Practice Finance relationships throughout their life cycle, developing meaningful connections with leadership of the companies they serve and adapting to changes in the company or industry that might alter financial service needs. As the Business Banking Relationship Officer, you will sell bank products and services to companies with annual revenues typically between $1 million and $20 million. These products and services include Commercial & Industrial, Practice Finance, and Payment Technology solutions that will entice prospective companies to award new business to UMB. You will engage and build relationships in the community with business owners, CFOs, CEOs, and controllers. You will also manage existing business, maintain portfolio profitability and risk, and support the profitable growth of the portfolio including loans, deposits, and fee income. You will help clients achieve their financial goals, streamline business processes, and better understand their cash flow needs. Working at UMB reflects an internal collaborative spirit, entrepreneurial pride, encouragement of creativity, rewarding success, community involvement, and being valued for both the work you do and the person you are. You are encouraged to share your thoughts regardless of the role you hold. Responsibilities
You will utilize your networking abilities in the community by participating in community and professional activities to enhance UMB’s image and brand to build new business You will utilize your credit skills to qualify companies eligible for loan business while managing the overall credit quality of the assigned portfolio to ensure loan quality You will utilize your negotiation skills to negotiate loan proposals, analyze and evaluate credit requests, and write loan commitments for presentation to underwriter or loan committee for loan approval Using your communication skills, you will serve as the primary contact for all financial services to individual Business Banking clients with the bank to ensure retention of business Qualifications
You have a bachelor’s degree or equivalent work experience of 5+ years in a commercial lending role You have demonstrated experience in sales to small businesses, credit knowledge, and credit underwriting knowledge You have strategic industry sales knowledge and marketing abilities for those industries Compensation
$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. This range does not encompass the full earning potential for this role. 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. EEO and Accommodation
UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities regardless of race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please email talentacquisition@umb.com with your request. If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.
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