Commercial Relationship Manager II

UMB Bank; Saint Joseph (MO); On-site; USD 98,000 - 145,000; Full time

Benefits offered by this job

401(k) matching

Paid time off

Health, dental, vision insurance

Job summary

UMB Bank in Saint Joseph, Missouri, is seeking a Relationship Manager II for its Commercial Banking team. This in-office, full-time role focuses on developing new commercial business while maintaining an existing portfolio, with cross-selling across product lines and ensuring high-quality client service.

You will grow revenue by prospecting new business, expanding relationships, and coordinating with product teams to meet client needs.

Qualifications

• Bachelor’s degree or equivalent experience in related field.
• 2 years of sales experience.
• Intermediate 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.
• Intermediate understanding of credit underwriting.
• Ability to balance new and 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 client relations.
• Manage loan and portfolio credit quality.
• Negotiate credit arrangements and prepare credit memoranda for loan committee.
• Other duties as assigned.

Skills

Self-starter

Communication

Time management

Sales experience

Credit knowledge

Bank products

Education

Bachelor's degree or equivalent

Tools

Word

Excel

PowerPoint

Job description

In-office

St. Joseph MO

Full time

R-9697

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 II, 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 intermediate 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 intermediate level of 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 the ability to prospect and network at various levels within a company.

This position was posted on 11/06/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range:

$98,208 - $144,705

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 [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 (https://p1.aprimocdn.net/umb/cdbf5f22-8f7a-43b9-bd03-b09f014a39c3/Privacy_Notice_for_California_Candidates_Original_file.pdf) to understand how we collect and use your personal information when you apply for employment with UMB.

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Learn more about UMB's vision (https://p1.aprimocdn.net/umb/8cf58ce2-e9d6-4621-b60a-b09f01638943/UMB_Tuce_Book_Original_file.pdf)

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