Will hire, lead, manage, motivate, train, develop, and coach a group of Business Banking Relationship Officers and Client Managers.Provide strategic direction and leadership to Relationship Officers to pursue development of new and existing customer accounts.Provide strategic direction and management of budget, FTE, recruitment, portfolio growth & items related to P&L.Sustain profitability and annual growth of sales of financial products and services through providing commercial lending, asset based lending, and banking services to small business accounts through designated staff.Develop revenue, volume, and market share objectives for assigned staff.Ensure team is monitoring and managing existing credit relationships, which includes note renewals, reviewing, and detailed analysis of current financial statements and collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions, and covenant monitoring, compiles reports necessary to monitor asset and credit quality and compliance with policy/regulation.Responsible to personally manage and grow a portfolio of client relationships in Business Banking.Develop, generate and follow up on new client leads through existing clients, client referrals and COI referrals.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.Manage the overall credit quality of assigned portfolio (includes sales, credit analysis, and loan structuring, client and prospect interviews).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.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.Communicate and collaborate with consistency and transparency with business banking teams and internal partners.Other duties as assigned. Bachelor' degree OR equivalent work experience7 years proven business banking sales experience Demonstrates superior strategic sales knowledge selling to small business ownersDemonstrates high level of business banking product knowledge and product innovationStrong knowledge of market/industry trendsDemonstrates strong ability to source/produce efficient credit opportunities.Knowledge of credit and operational risk ability to quantify potential exposure and advise teamStrong understanding of credit underwritingExtensive knowledge and understanding of commercial lending practices and loan documentation/loan servicing requirementsDemonstrates advanced knowledge of financial analysis (including ratio and trend analysis and projections)Thorough knowledge of accounting principles and practicesDemonstrated capacity to sell products/services within the financial services industryStrategic sales planning to define target markets, strategic sales approaches, and provide solutionsEnhance communication and negotiation skills for more complex deals and relationshipsManages time effectively to balance new & existing relationships to meet goalsDemonstrated ability to mentor othersDemonstrated leadership skillsDemonstrates proficiency in Word, Excel, PowerPoint
Compensation Ranges:
US Employees in California, Washington DC, New Jersey, and New York:
$120,750 - $189,000
US Employees in Colorado, Connecticut, Delaware, Illinois, Massachusetts, Maryland, Minnesota, Pennsylvania, Rhode Island, Texas, Washington, and Wisconsin:
$110,250 - $173,030
US Employees in all other states not listed above:
$99,750 - $157,060
The posted compensation range on this listing represents UMB’s good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. Please see the description of benefits included with this job posting for additional information.
UMB offers competitive and varied benefits to eligible associates, such as 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; and various associate banking benefits. Benefit offerings and eligibility requirements vary.
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 opportunities. UMBers are known for having multiple careers here and having their voices heard.
UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to talentacquisition@umb.com to let us know the nature of your request.
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