Overview
The Business Banking Relationship Officer Team is made up of Business Banking Relationship Officers, Treasury Management Officers, Underwriters, Client Managers, and Analysts. This team manages Commercial and Industrial and Practice Finance relationships throughout their life – developing meaningful connections with leadership of the companies they serve. Always mindful of changes in the company and its industry that might create a change in financial service needs.
As the
Business Banking Relationship Officer Sr. , you will be selling bank products and services to companies with revenues between $1mm-$35mm. These products and services are 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, maintaining relationship profitability & portfolio risk, and the profitable growth of the portfolio including loans, deposits, & fee income. You have the ability to help clients achieve their financial dreams, streamline business processes and help them better understand their working cash flow needs.
Responsibilities
You will utilize your networking abilities in the community by participating in community and professional activities in order to enhance UMB’s image and brand to build new business.
You will generate investment real estate loans up to $5MM per transaction.
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 & evaluate credit requests & write loan commitments, for presentation to underwriter or loan committee for loan approval.
Utilizing your communications 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 possess a bachelor’s degree or equivalent work experience of up to 7 years in a commercial lending role.
You have demonstrated experience in sales to small businesses, credit knowledge, and credit underwriting knowledge.
Bonus points
You have strategic industry sales knowledge, and marketing abilities to those industries.
Compensation & Benefits $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. 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.
Equal Opportunity UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to 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 send an e-mail to talentacquisition@umb.com to let us know the nature of 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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As the
Business Banking Relationship Officer Sr. , you will be selling bank products and services to companies with revenues between $1mm-$35mm. These products and services are 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, maintaining relationship profitability & portfolio risk, and the profitable growth of the portfolio including loans, deposits, & fee income. You have the ability to help clients achieve their financial dreams, streamline business processes and help them better understand their working cash flow needs.
Responsibilities
You will utilize your networking abilities in the community by participating in community and professional activities in order to enhance UMB’s image and brand to build new business.
You will generate investment real estate loans up to $5MM per transaction.
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 & evaluate credit requests & write loan commitments, for presentation to underwriter or loan committee for loan approval.
Utilizing your communications 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 possess a bachelor’s degree or equivalent work experience of up to 7 years in a commercial lending role.
You have demonstrated experience in sales to small businesses, credit knowledge, and credit underwriting knowledge.
Bonus points
You have strategic industry sales knowledge, and marketing abilities to those industries.
Compensation & Benefits $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. 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.
Equal Opportunity UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to 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 send an e-mail to talentacquisition@umb.com to let us know the nature of 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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