Business Banking Client Manager

UMB Bank•Dallas, TX

20h

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.

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.

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