Business Banking Relationship Officer I

UMB Bank•Santa Fe, NM

16d

About The Position

As one of UMB’s leading lines of business, the Business Banking Relationship Officers are responsible for helping grow the Business Banking loan portfolio and selling other related revenue-generating services to clients. The 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 its life – developing meaningful connections with the leadership 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 Relationship Officer, you will be selling bank products and services to companies with revenues between $1mm-$10mm. 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, CFO’s, CEO’s, 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. Working at UMB is about our internal collaborative spirit, entrepreneurial pride, encouraging creativity, rewarding success, having fun winning business, community involvement, and being valued not only for the work that you do, but also for the person you are. You are encouraged to bring your thoughts to the table, no matter the role that you are in.

Requirements

Bachelor’s degree or equivalent work experience of up to 5 years in a commercial lending role.
Demonstrated experience in sales to small businesses, credit knowledge, and credit underwriting knowledge.

Nice To Haves

Strategic industry sales knowledge and marketing abilities in those industries.

Responsibilities

Utilize your networking abilities in the community by participating in community and professional activities to enhance UMB’s image and brand and build new business.
Utilize your credit skills to qualify companies eligible for loan business while managing the overall credit quality of the assigned portfolio to ensure the loan quality.
Utilize your negotiation skills to negotiate loan proposals, analyze and evaluate credit requests, and write loan commitments for presentation to an 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 business retention.

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