Business Banking Relationship Officer II

UMB Financial Corporation; Lubbock (TX); On-site; USD 68,000 - 100,000; Full time

Benefits offered by this job

Paid Time Off

401(k) matching

Annual incentive pay

Paid holidays

Medical, dental, and vision insurance

Health savings account

Flexible spending accounts

Adoption assistance

Employee assistance program

Fitness reimbursement

Tuition reimbursement

Wellbeing program

Emergency fund

Associate banking benefits

Job summary

UMB Financial Corporation is seeking a Business Banking Relationship Officer to grow the loan portfolio and deliver commercial finance and related services. You will engage business owners and executives to expand banking solutions and maximize profitability.

The role focuses on building credit-backed portfolios, negotiating proposals, and maintaining strong client relationships while representing UMB in the community and ensuring service excellence.

Qualifications

• Bachelor’s degree or equivalent work experience in a commercial lending role.
• Experience in sales to small businesses and credit knowledge is required.
• Knowledge of credit underwriting and industry-specific marketing abilities are valued.

Responsibilities

• Grow the Business Banking loan portfolio and related revenue services.
• Qualify companies for loan business and manage overall credit quality of the portfolio.
• Build relationships with business owners, CFOs, CEOs, and controllers to drive new business.

Skills

Sales to small businesses

Credit knowledge

Credit underwriting knowledge

Strategic industry sales

Marketing abilities

Education

Bachelor’s degree or equivalent work experience (up to 5 years)

Job description

BUSINESS BANKING RELATIONSHIP OFFICER 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 annual revenues typically between $1mm-$20mm. 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 engage and build relationships in the community with Business Owners, CFOs, CEOs, and Controllers. You will also manage existing business, maintaining relationship profitability & portfolio risk, and the profitable growth of the portfolio including loans, deposits, & fee income. You have the ability to help clients achieve their financial dreams, streamline 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 you are. You are encouraged to bring your thoughts to the table, no matter the role that you are in.

How you'll spend your time:

You will 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 You will 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 You will 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

We’re excited to talk with you if:

• You have a bachelor’s degree or equivalent work experience of up to 5 years in a commercial lending role
• You have demonstrated experience in sales to small businesses, credit knowledge, and credit underwriting knowledge
• You have strategic industry sales knowledge, and marketing abilities to those industries

Compensation Range:

$67,869 - $99,836

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.

UBM 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 [e-mail] to let us know the nature of your request.

If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.

Who we are

We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed. Learn more about UMB's vision Check out the road to a career at UMB