BB Relationship Officer Sr

UMB Bank•Colorado Springs, CO

About The Position

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 $25MM and below 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.

Requirements

Bachelors degree OR equivalent work experience
7 years proven business banking sales experience
Demonstrates superior strategic sales knowledge selling to small business owners
Demonstrates high level of business banking product knowledge and product innovation
Strong knowledge of market/industry trends
Demonstrates strong ability to source/produce efficient credit opportunities.
Knowledge of credit and operational risk ability to quantify potential exposure and advise team
Strong understanding of credit underwriting
Extensive knowledge and understanding of commercial lending practices and loan documentation/loan servicing requirements
Demonstrates advanced knowledge of financial analysis (including ratio and trend analysis and projections)
Thorough knowledge of accounting principles and practices
Demonstrated capacity to sell products/services within the financial services industry
Demonstrates proficiency in Word, Excel, PowerPoint

Responsibilities

Manage strategic client relationships in Business Banking
Manage an existing portfolio of business and the acquisition of new business
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
Communicate and collaborate with consistency and transparency with business banking teams and internal partners
Consistently use and maintain CRM usage
Other duties as assigned

Benefits

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
various associate banking benefits