BB Client Manager

UMB Bank•Denver, CO

About The Position

As one of UMB’s leading lines of business, the Business Banking Team is responsible for helping grow the Business Banking loan portfolio with companies generating revenues from $1MM-$20 M M .  The team is made up of Business Banking Relationship Officers, Treasury Management Officers, Underwriters, Client Managers, and Analysts.  This team manages Commercial and Industrial relationships throughout their lives – developing meaningful connections with management of the companies they serve.  Always mindful of the changes in the company, its industry, etc., over time that might create a change in their financial service needs. As the Business Banking Client Manager , you will have a primary focus on managing a portfolio of Business Banking clients, expanding the relationship with UMB within the client portfolio and a secondary focus on new customer acquisition, primarily through leveraging client portfolio relationships and contacts . You will be responsible for a large-sized portfolio. How you’ll spend your time: You will s erve as a conduit for all product lines and match client needs with appropriate products . Always looking for cross selling opportunities for all bank products. You will g row revenue as directed by senior management by successfully prospecting new business within portfolio and making appropriate referrals . You will m aintain a portfolio by calling on existing customers to expand existing business, ensure excellent client relations & proper servicing of account(s), and ensure the portfolio’s credit quality. You will n egotiate credit arrangements and prepare credit memoranda and supporting documentation with underwriting for presentation to approvers. You will c ontinuously monitor borrowing base reports and covenant compliance with regular reporting requirements for client base . Establish protocols and maintain tracking of documentation exceptions, past dues, field exams, borrowing base reports and covenant exceptions. You will r ecognize and manage early warning signs for client portfolio on a recurring basis, which may include but are not limited to the following: analyze borrower/guarantor financial performance upon receipt of reporting requirements, either monthly, quarterly or annually. Fully analyze and confirm borrowing base and financial covenant compliance, analyze payment performance benchmarks and perform regular financial reviews. You will p rovide recurring customer service to existing clients, which includes direct contact with customers and an emphasis on maintaining UMB TUCE at all times . You will f ile all required reports, and resolve all related issues in a timely and efficient manner . Other duties as assigned.

Requirements

Bachelor’s degree or equivalent experience in related field
Three years’ banking experience including credit analysis and client management
Demonstrate a high level of understanding of credit underwriting
Demonstrate knowledge of bank products, services, and bank operations
Demonstrate ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents
Demonstrate high level of analytical skill
Demonstrate ability to be self -starter and show initiative
Demonstrate strong communication skills (verbal & written )
Demonstrate proficiency in Word, Excel & PowerPoint
Ability to prospect and network at various levels within a company

Nice To Haves

Knowledge of lending products & cross selling of treasury management products

Responsibilities

Serve as a conduit for all product lines and match client needs with appropriate products
Grow revenue as directed by senior management by successfully prospecting new business within portfolio and making appropriate referrals
Maintain a portfolio by calling on existing customers to expand existing business, ensure excellent client relations & proper servicing of account(s), and ensure the portfolio’s credit quality
Negotiate credit arrangements and prepare credit memoranda and supporting documentation with underwriting for presentation to approvers
Continuously monitor borrowing base reports and covenant compliance with regular reporting requirements for client base
Establish protocols and maintain tracking of documentation exceptions, past dues, field exams, borrowing base reports and covenant exceptions
Recognize and manage early warning signs for client portfolio on a recurring basis, which may include but are not limited to the following: analyze borrower/guarantor financial performance upon receipt of reporting requirements, either monthly, quarterly or annually. Fully analyze and confirm borrowing base and financial covenant compliance, analyze payment performance benchmarks and perform regular financial reviews
Provide recurring customer service to existing clients, which includes direct contact with customers and an emphasis on maintaining UMB TUCE at all times
File all required reports, and resolve all related issues in a timely and efficient manner
Other duties as assigned

Benefits

Paid Time Off
401(k) matching program
Annual incentive pay
Paid holidays
Comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage
Health savings, flexible spending, and dependent care accounts
Adoption assistance
Employee assistance program
Fitness reimbursement
Tuition reimbursement
Associate wellbeing program
Associate emergency fund
Various associate banking benefits