Business Banking Relationship Officer Sr

UMB Bank•Overland Park, KS

About The Position

Are you ready to be part of something more? You ’ re more than a means to an end — a way to help us meet the bottom line. UMB isn ’ t comprised of workers, but of people who care about their work, one another and their community. Expect more than the status quo. At UMB, you can expect more heart . You ’ ll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust . We want you to do the right thing, no matter what. And, expect more opportunity . UMBers are known for having multiple careers here and having their voices heard. 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 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-$20 mm . 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 e ngage 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 includ ing loans, deposits, & fee income. You have the ability to help clients achieve their financial dreams, stream line 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 the 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 7 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
Marketing abilities to those industries

Responsibilities

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

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