BB Team Leader II

UMB Bank • Overland Park, KS

6d • $99,750 - $189,000 • Onsite

About The Position

This role involves hiring, leading, managing, motivating, training, developing, and coaching a team of Business Banking Relationship Officers and Client Managers. The position provides strategic direction and leadership to Relationship Officers to pursue the development of new and existing customer accounts. It also involves strategic direction and management of budget, FTE, recruitment, portfolio growth, and P&L related items. The goal is to sustain profitability and annual growth of sales of financial products and services through commercial lending, asset-based lending, and banking services to small business accounts via designated staff. The role requires developing revenue, volume, and market share objectives for assigned staff. A key responsibility is ensuring the team monitors and manages existing credit relationships, including note renewals, reviewing and analyzing financial statements and collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions, and covenant monitoring. This includes compiling reports to monitor asset and credit quality and compliance with policy/regulation. The position also requires personally managing and growing a portfolio of client relationships in Business Banking, developing and following up on new client leads, managing overall relationship profitability and portfolio risk, and acting as a consultant to clients and a resource to the Bank. The role involves providing insights for enhancing client relationships, cash flow, profitability, and efficiency, and managing the overall credit quality of the assigned portfolio. Negotiating loan proposals, analyzing credit requests, writing loan commitments, recommending credit grades, presenting to underwriters or loan committees, and implementing approval/declination actions are also part of the responsibilities. Participation in community and professional activities to enhance the bank's image and expand business contacts is expected. Consistent and transparent communication and collaboration with business banking teams and internal partners are essential. Other duties as assigned.

Requirements

• Bachelor' 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
• Strategic sales planning to define target markets, strategic sales approaches, and provide solutions
• Enhance communication and negotiation skills for more complex deals and relationships
• Manages time effectively to balance new & existing relationships to meet goals
• Demonstrated ability to mentor others
• Demonstrated leadership skills
• Demonstrates proficiency in Word, Excel, PowerPoint

Responsibilities

• Hire, lead, manage, motivate, train, develop, and coach a group of Business Banking Relationship Officers and Client Managers.
• Provide strategic direction and leadership to Relationship Officers to pursue development of new and existing customer accounts.
• Provide strategic direction and management of budget, FTE, recruitment, portfolio growth & items related to P&L.
• Sustain profitability and annual growth of sales of financial products and services through providing commercial lending, asset based lending, and banking services to small business accounts through designated staff.
• Develop revenue, volume, and market share objectives for assigned staff.
• Ensure team is monitoring and managing existing credit relationships, which includes note renewals, reviewing, and detailed analysis of current financial statements and collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions, and covenant monitoring, compiles reports necessary to monitor asset and credit quality and compliance with policy/regulation.
• Personally manage and grow a portfolio of client relationships in Business Banking.
• Develop, generate and follow up on new client leads through existing clients, client referrals and COI referrals.
• 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, and 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.
• 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.
• Communicate and collaborate with consistency and transparency with business banking teams and internal partners.
• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Senior