Sr. Business Banking Relationship Manager

UMB Bank; Fresno (CA); On-site; USD 98,000 - 145,000; Full time

Job summary

UMB Bank in Fresno, CA is seeking a Business Banking Relationship Officer Sr. to grow commercial relationships and expand existing ones.

You will apply credit acumen across deposit products, treasury services, and related offerings while driving profitability and client retention. Responsibilities include community networking to build new business, qualifying loan opportunities, and presenting proposals to underwriters.

Qualifications

• Bachelor’s degree or equivalent experience in commercial lending.
• Experience in sales to small businesses.
• Credit knowledge and underwriting experience.
• Ability to qualify loan opportunities and manage credit quality.
• Strong networking and relationship-building abilities.

Responsibilities

• Network in the community to build new business and enhance UMB’s image.
• Qualify companies for loan business and manage credit quality.
• Negotiate loan proposals and present to underwriter or loan committee.
• Serve as primary contact for financial services to business clients and ensure retention.

Skills

Relationship management

Credit underwriting

Sales to small business

Negotiation

Communication skills

Education

Bachelor's degree or equivalent experience

Job description

In-office

Fresno CA

Full time

R-9410

The Business Banking team actively calls on businesses that typically have annual revenue between $1MM and $20MM. The team includes relationship managers, client managers officers, 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 to earn the title of trusted advisor and help these companies grow and prosper in our community.

As the Business Banking Relationship Officer Sr. , you will be responsible for increasing the Bank’s profitability by cultivating new commercial relationships and the expansion/retention of existing relationships.In this role you must utilize your credit acumen and be knowledgeable in non-credit products such as Deposit products, treasury management, virtual card, trust, etc. Successful candidates for this role will be resilient, agile, accountable, and driven.

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:

• If you have a Bachelor’s degree or equivalent work experience of up to 7 years in a commercial lending role.

• If you have demonstrated experience in sales to small businesses, credit knowledge, and credit underwriting knowledge.

• Bonus points, if you have strategic industry sales knowledge, and marketing abilities to those industries.

This position was posted on 10/05/2026. 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.

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