BB Relationship Officer Sr / II

About the role

The Business Banking Relationship Officer Team manages Commercial and Industrial and Practice Finance relationships throughout their life, developing meaningful connections with leadership of the companies they serve. They are always mindful of changes in the company, its industry, etc., over time that might create a change in their financial service needs.

Responsibilities

• Sell bank products and services to companies with revenues between $1mm-$35mm, focusing on Commercial & Industrial, Practice Finance, and Payment Technology solutions.
• Engage and build relationships in the community with Business Owners, CFO’s, CEO’s, and Controllers.
• Manage existing business, maintaining relationship profitability and portfolio risk, and the profitable growth of the portfolio including loans, deposits, & fee income.
• Help clients achieve their financial dreams, streamline business processes, and better understand their working cash flow needs.
• Utilize networking abilities in the community by participating in community and professional activities to enhance UMB's image and brand.
• Generate investment real estate loans up to $5MM per transaction.
• Utilize credit skills to qualify companies eligible for loan business while managing the overall credit quality of assigned portfolio to ensure the loan quality.
• Negotiate loan proposals, analyze & evaluate credit requests & write loan commitments, for presentation to underwriter or loan committee for loan approval.
• Serve as the primary contact for all financial services to individual Business Banking clients with the bank to ensure retention of business.

Requirements

• Possess a bachelor’s degree or equivalent work experience of up to 7 years in a commercial lending role.
• Demonstrate experience in sales to small businesses, credit knowledge, and credit underwriting knowledge.
• Bonus points for strategic industry sales knowledge, marketing abilities to those industries.

Qualifications

• Manage the strategic client relationships in Business Banking which will include managing an existing portfolio of business and the acquisition of new business.
• Develop, generate and follow-up on new client leads through existing clients, client referrals, COI referrals, & prospecting.
• 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.
• 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.
• Serve as the primary link for all financial services to the individual Business Banking client with the bank (i.e. Treasury Services, International, Trust, and Cash Vault).
• 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.
• Maintain accounts to identify potential credit problems and assure proper loan documentation.
• Communicate and collaborate with consistency and transparency with business banking teams and internal partners.
• Consistently use and maintain CRM usage.

Skills

• Networking abilities
• Community engagement
• Commercial lending
• Loan origination
• Credit analysis
• Portfolio management
• Client relationship management
• Financial analysis
• Communication and negotiation skills

Benefits

Not specified.

Pay

Compensation Range: $63,830.00 - $163,900.00

The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information.

Schedule

Not specified.