Sr. Commercial Client Manager

umb; Fresno (CA); On-site; USD 141,000 - 208,000; Full time

Benefits offered by this job

Paid Time Off

401(k) matching program

Annual incentive pay

Health insurance

Job summary

UMB in Fresno, CA seeks an experienced Commercial Banking Relationship Manager to manage assigned client relationships, maintain portfolio quality, and drive cross-selling across product lines.

You will partner with officers, analyze credits, and provide exceptional service to existing and prospective clients while applying strong financial acumen and communication skills. This role emphasizes credit discipline and strategic client growth.

Qualifications

• Bachelor's degree in Business or Accounting/Finance or equivalent.
• 8+ years of commercial banking or lending experience including credit underwriting.
• Strong knowledge of credit and underwriting.
• Good financial acumen and analytical capability.
• Ability to interpret loan contracts, credit reports, and loan documentation.
• Self-starter with initiative and time management.
• Excellent verbal and written communication skills.
• Proficiency in Word, Excel, PowerPoint.
• Ability to prospect and network at various levels within a company.

Responsibilities

• Partner with senior officers to manage assigned commercial banking relationships.
• Maintain and grow a client portfolio by contacting existing customers and ensuring credit quality.
• Provide recurring customer service and participate in joint sales calls or direct client contact.
• Match client needs with bank products and identify cross-selling opportunities.
• Perform other duties as assigned.

Skills

Credit underwriting

Relationship management

Financial analysis

Cross-selling

Communication

Education

Bachelor's degree in Business or Accounting / Finance or equivalent

Tools

Microsoft Word

Microsoft Excel

PowerPoint

Job description

As the leading line of business, UMB's bottom line is directly impacted by the growth of our commercial portfolio. This team manages Commercial and Industrial relationships throughout its life - developing meaningful connections with management of the companies they serve. Always mindful of the changes in the company, its industry, etc., over time that might create a change in their financial service needs.

How you'll spend your time:

• You will partner with other officers to effectively administer the management of assigned commercial banking relationships.
• You will maintain a portfolio by calling on existing customers to expand existing business, ensure excellent client relations & proper servicing of account(s), and ensure the portfolio's credit quality.
• You will provide recurring customer service to existing and prospective clients, which includes direct contact with customers either through participation in joint sales calls with other officers or direct correspondence with clients and perform various projects/tasks as needed with an emphasis on maintaining UMB TUCE at all times.
• You will serve as a conduit for all product lines and match client needs with appropriate products. Proactively look for cross selling opportunities on bank products.
• Other duties as assigned.

We're excited to talk to you if:

• You possess a bachelor's degree in Business or Accounting / Finance or equivalent experience in a related field.
• You have 8 + years commercial banking or lending experience including credit underwriting.
• You demonstrate advanced knowledge of credit and understanding of underwriting.
• You demonstrate strong financial acumen.
• You demonstrate advanced knowledge and understanding in how to identify and process maturing loans, line renewals, term loans that need to be extended, how loans can be restructured, approval process, change terms, etc.
• You demonstrate ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents.
• You demonstrate ability to be self-starter and show initiative.
• You demonstrate strong communication skills (verbal & written).
• You demonstrate proficiency in Word, Excel, PowerPoint.
• You demonstrate ability to manage time effectively.
• You have the ability to prospect and network at various levels within a company.
• You demonstrate strong analytical skills.
• You have strategic sales meetings skills.

Bonus points if:

• You have 5 + years of managing middle market relationships.
• You have knowledge of bank products, services, and bank operations.
• You have product training.

Compensation Range:

$141,354 - $207,900

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

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