BB Relationship Officer II

Posted on 07/30/2026. Applications accepted for 45 days from posting date or until filled.

About the role

The Business Banking team actively calls on businesses with annual revenue between $1MM and $20MM. The team includes relationship managers, client managers, treasury management officers, and others who provide a suite of products and services tailored to these companies. The objective is to earn the title of trusted advisor and help these companies grow and prosper in our community.

As the Business Banking Relationship Manager II, you will manage strategic client relationships, including an existing portfolio of businesses and the acquisition of new business. Clients typically have annual revenue between $1MM and $20MM.

Responsibilities

• Generate, retain, and expand lending, investment, and deposit relationships with new and existing clients through referrals, centers of influence, and direct prospecting.
• Develop, generate, and follow up on new client leads through existing clients, referrals, COI referrals, and prospecting.
• Manage overall relationship profitability and portfolio risk, ensuring profitable growth of the assigned portfolio (loans, deposits, and fee income).
• Act as a consultant to clients and a resource to the Bank in developing and retaining business, providing insight and ideas for enhancing client relationships, cash flow, profitability, and efficiency.
• Manage the overall credit quality of the assigned portfolio, including sales, credit analysis, loan structuring, client and prospect interviews.
• Monitor and manage existing credit relationships, including note renewals, financial statement and collateral valuation reviews, credit and cash flow analysis, delinquency reporting, documenting exceptions, covenant monitoring, and compiling reports for asset and credit quality compliance.
• Negotiate loan proposals, analyze and evaluate credit requests, write loan commitments, recommend credit grades, present to underwriters or loan committees, and implement approval or declination actions.
• Serve as the primary link for all financial services to Business Banking clients, including Treasury Services, International, Trust, and Cash Vault.
• Participate in community and professional activities to enhance the bank’s image and expand your network for new business development.
• Monitor accounts to identify potential credit problems and ensure proper loan documentation, particularly for complex lending requirements like term loan agreements, commercial real estate, and revolving credit lines.
• Communicate and collaborate consistently and transparently with Business Banking teams and internal partners.
• Maintain and use CRM systems effectively.
• Perform other duties as assigned.

Requirements

• Bachelor’s degree or equivalent work experience.
• 5 years of proven business banking sales experience.
• Strategic sales knowledge selling to small business owners.
• Business banking product knowledge and product innovation.
• Awareness of market and industry trends.
• Ability to source and produce efficient credit opportunities.
• Knowledge of credit and operational risk, including quantifying potential exposure and advising the team.
• Understanding of credit underwriting and commercial lending practices.
• Knowledge of loan documentation and servicing requirements.
• Proficiency in financial analysis, including ratio and trend analysis, projections, and accounting principles.
• Demonstrated capacity to sell products and services within the financial services industry.
• Proficiency in Microsoft Word, Excel, and PowerPoint.

Preferred Qualifications

• Bachelor’s degree in accounting or finance.
• Understanding of strategic sales planning to define target markets and approaches.
• Specialized knowledge of specific markets or industries.
• Ability to prospect and network at various levels within a company.
• Enhanced communication and negotiation skills for complex deals and relationships.
• Effective time management to balance new and existing relationships and meet goals.

Pay

Compensation range: $98,208 - $144,705. The posted range represents UMB’s good faith and reasonable estimate based on its budget and expectations for the starting pay for this role. Actual compensation may vary by geographic location, experience level, and other job-related factors.

Benefits

UMB offers competitive and varied benefits to eligible associates, including:

• Paid Time Off and paid holidays.
• 401(k) matching program.
• Annual incentive pay.
• 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.

Benefit offerings and eligibility requirements vary.