Business Banking Client Manager

About the role

As a Business Banking Client Manager on UMB’s Business Banking Team, you will manage a large‑sized portfolio of Business Banking clients (revenues $1MM‑$20MM), expand relationships with UMB, and acquire new customers primarily through leveraging existing portfolio relationships.

Responsibilities

• Serve as a conduit for all product lines, matching client needs with appropriate products and identifying cross‑selling opportunities.
• Grow revenue by prospecting new business within the portfolio and making appropriate referrals.
• Maintain and expand existing client relationships through regular contact, ensuring excellent service and proper account servicing.
• Negotiate credit arrangements and prepare credit memoranda and supporting documentation for underwriting and approval.
• Continuously monitor borrowing‑base reports and covenant compliance, providing regular reporting.
• Establish protocols and track documentation exceptions, past‑due items, field exams, borrowing‑base reports, and covenant exceptions.
• Recognize and manage early warning signs for the portfolio, analyzing borrower/guarantor financial performance on monthly, quarterly, or annual reporting cycles.
• Fully analyze and confirm borrowing‑base and financial covenant compliance, payment performance benchmarks, and conduct regular financial reviews.
• Provide recurring customer service, maintaining UMB’s “TUCE” standards.
• File required reports and resolve related issues promptly.
• Perform other duties as assigned.

Qualifications

• Bachelor’s degree or equivalent experience in a related field.
• Minimum three years of banking experience, including credit analysis and client management.
• Strong understanding of credit underwriting.
• Knowledge of bank products, services, and operations.
• Ability to interpret policies, procedures, loan contracts, credit reports, financial statements, and loan documents.
• High level of analytical skill.
• Self‑starter with initiative.
• Strong verbal and written communication skills.
• Proficiency in Microsoft Word, Excel, and PowerPoint.
• Ability to prospect and network at various levels within a company.

Preferred qualifications

• Knowledge of lending products and cross‑selling of treasury management products.

Pay

Compensation range: $98,208 – $144,705 (actual compensation may vary by location, experience, and other factors).

Benefits

• Paid Time Off
• 401(k) matching program
• Annual incentive pay
• Paid holidays
• Comprehensive company‑sponsored benefit plan (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