Commercial Relationship Manager II

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

Benefits offered by this job

Paid Time Off

401(k) matching program

Annual incentive pay

Health insurance

Dental insurance

Vision insurance

Wellbeing program

Job summary

UMB Financial Corporation is seeking a Relationship Manager II in our Commercial Banking team to develop new commercial business while maintaining an active portfolio of clients. The role focuses on cross-selling across product lines, nurturing client relationships, and ensuring high-quality loan and portfolio performance.

The position requires a bachelor's degree or equivalent, about two years of sales experience, and solid knowledge of credit and bank products.

Qualifications

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

Responsibilities

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

Skills

Relationship management

Sales experience

Credit knowledge

Bank products

Communication skills

MS Office

Education

Bachelor's degree or equivalent

Job description

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.

• 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.

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.

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