Retirement Client Advisor

UMB Bank; United States; Remote; USD 141,000 - 208,000; Full time

Benefits offered by this job

401(k) matching

Paid time off

Health benefits

Job summary

UMB Bank is seeking a Retirement Client Advisor to cultivate new business opportunities and manage a defined client book. You will serve as the primary contact, present formal proposals, and nurture ongoing prospects for new business development.

The role emphasizes building client loyalty by listening to needs, educating clients about market conditions and plans, and collaborating with internal teams to deliver tailored investment solutions.

Qualifications

• Bachelor’s Degree in Business Administration/Management, Finance or related field or equivalent work experience.
• 5-7 years in the financial services industry with a minimum of 3 years specific experience in a sales role.
• Broad knowledge of financial markets, asset allocation principles, and financial products.
• Experience in investment manager selection and monitoring a plus.
• Prior experience with DC retirement plans and understanding of ERISA, DOL, and IRS.

Responsibilities

• Delivers exceptional service in managing book of business and building client relationships.
• Partners with internal Portfolio Management and Research to understand market narrative, manager selection and monitoring, and communicate recommendations.
• Regularly meets with clients for ongoing plan/investment reviews.
• Educates and communicates with clients about market conditions, plan investments, performance, strategy, and regulatory changes.
• Provides consultation to plan sponsors on education program development to support objectives.
• Facilitate or deliver participant education and advice.
• Creates and maintains networking relationships to build a pipeline of business.
• Achieves annual new business revenue goals for assigned accounts/territory.
• Maintains client information in a CRM tool.
• Understands benefits of products and differentiates UMB Retirement Services from competition.
• Provides interdisciplinary expertise to clients with bank leadership and other departments.
• Performs other duties as assigned.

Skills

Client relationships

Sales experience

Communication skills

CRM familiarity

Problem solving

Education

Bachelor's Degree in Business Admin/Finance

Tools

CRM software

Job description

The Retirement Client Advisor generates new business opportunities and manages a customer portfolio defined in the business plan. This involves being the primary contact for new or existing customers, presenting formal product proposals, and maintainingongoing prospects for new business development. This role focuses on building customer relationships and gaining loyalty by listening and responding to customers’ needs.

Howyou’llspend your time:

• Delivers exceptional service in managing his/her book of business and building client relationships

• Partners with internal Portfolio Management and Research to fully understand market narrative, manager selection and monitoring, strategy decisions, and effectively communicate recommendations

• Regularly meetswith clients for on-going plan/investment reviews

• Educates and communicates with clients about market conditions, plan/account investments, performance, strategy, changes in regulatory or tax environment, and other factors which may influence plan decisions

• Provides consultation to plan sponsors on the development of a participant education program to support the client’s objectives

• Facilitate or deliver participant education and advice

• Creates andmaintainsnetworking relationships to create a pipeline of business

• Achieves annual new business revenue goals for assigned accounts and/or territory

• Maintains client information in a CRM tool

• Understands the benefits of products and effectively differentiate UMB’s Retirement Services from the competition

• Provides interdisciplinaryexpertiseto clients when needed while partnering with bank leadership and other departments

• Performs other duties as assigned.

We’reexcited to talk to you if:

• You havea Bachelor’Degree in Business Administration/Management, Finance or related fieldorequivalentwork experience

• 5-7 years in the financial services industry with a minimum of 3yearsspecific experience in a sales role

• Broad knowledge of financial markets, asset allocation principles, and financial products

• Experiencein investment managerselectionand monitoring a plus

• Prior experience with DC retirement plans and understanding of regulations related to ERISA, DOL, and IRS

• Solid understanding of plan design, compliance and testing, and industry standards

• Good written/verbal communication,organizationand client service skills

• Ability tomaintainprofessional working relationships with internal and external clients

• Ability to interpret documents and resolve technical problems

• Critical thinking and problem-solving skills toidentifyand recommendappropriate follow-upaction

Bonus points if:

• Chartered Financial Analyst - CFA - CFA Institute

• Certified Investment Management Analyst (CIMA) - Investment Management Consultants Association -IMCA

• Qualified Plan Financial Consultant (QPFC) - National Association of PlanAdvisors

• Certified Financial Planner - CFP - Certified Financial Planner Board of Standards, Inc.

This position was posted on 08/12/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range:

$141,354 - $207,900

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.

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