Commercial Relationship Manager

UMB Bank; Lubbock (TX); On-site; USD 82,000 - 120,000; Full time

Benefits offered by this job

401(k) matching

Annual incentive pay

Paid Time Off

Health benefits

Tuition reimbursement

Wellbeing program

Employee assistance program

Job summary

UMB Bank in Texas is seeking a Relationship Manager to develop new commercial business while maintaining an active portfolio. You will serve as a conduit for all product lines, matching client needs with the right solutions.

The role emphasizes cross-selling, growing revenue through prospecting and referrals, and ensuring high credit quality across loan portfolios. Strong communication, time management, and initiative are essential for success.

Qualifications

• Bachelor’s degree or equivalent experience in related field.
• 2 years' sales experience.
• Knowledge of credit.
• Knowledge of bank products, services, and bank operations.
• Self-starter with initiative.
• Excellent communication skills (verbal & written).
• Proficiency in Word, Excel, PowerPoint.
• Understanding of credit underwriting.
• Ability to manage time to balance new & existing relationships to meet goals.

Responsibilities

• Serves a conduit for all product lines and matches client needs with appropriate products.
• Grows revenue by prospecting new business and making referrals.
• Maintains portfolio by calling on existing customers to expand business and ensure proper servicing of accounts.
• Manage loan & portfolio credit quality.
• Negotiate credit arrangements and prepare credit memoranda for loan committee.
• Other duties as assigned.

Skills

Sales experience

Credit knowledge

Bank products knowledge

Self-starter

Communication skills

Time management

Prospecting & networking

Education

Bachelor's degree or equivalent

Tools

Word

Excel

PowerPoint

Job description

• Manage loan & portfolio credit quality.

The Commercial Banking team actively calls on businesses that typically have annual revenue between $50MM and $500MM. The team includes relationship managers, treasury management officers and others that provide a suite of products and services that serve companies of this size. The objective of the group is earn the title of trusted advisor and help these companies grow and prosper in our community.

As the Relationship Manager you will be responsible for developing new commercial business, while maintaining a portfolio. While loan product is important, cross selling with current and prospective clients is a key element of this role.

How You’ll Spend Your Time

• Serves a conduit for all product lines and matches client needs with appropriate products.
• Grows revenue as directed by senior management by successfully prospecting new business and making appropriate referrals.
• Maintains portfolio by calling on existing customers to expand existing business, ensure excellent client relations & proper servicing of account(s).
• Manage loan & portfolio credit quality.
• Negotiate credit arrangements and prepare credit memoranda and supporting documentation for presentation to the loan committee.
• Other duties as assigned.

We’re excited to talk to you if

• You possess a bachelor’s degree or equivalent experience in related field.
• You have 2 years' sales experience.
• You have demonstrated knowledge of credit.
• You have demonstrated knowledge of bank products, services, and bank operations.
• You have demonstrated ability to be self-starter and show initiative.
• You have demonstrated excellent communication skills (verbal & written).
• You have demonstrated proficiency in Word Excel, PowerPoint.
• You have an understanding of credit underwriting.
• You have demonstrated ability to manage time effectively to balance new & existing relationships to meet goals.

Bonus points if

• You have 2 years’ commercial sales experience.
• You have ability to prospect and network at various levels within a company.

This position was posted on 08/20/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range

$81,864 - $120,406

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.

• 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
• 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.