UMB Bank · 6 days ago
Relationship Manager II - Business Banking
Peoria, AZ
Full-time
Hybrid
Mid, Senior Level
$58K/yr - $124K/yr
7+ years expUMB Bank is dedicated to serving businesses with annual revenues between $1MM and $25MM, and they are seeking a Relationship Manager II to manage strategic client relationships in Business Banking. This role involves managing an existing portfolio, acquiring new business, and providing insights to enhance client relationships and profitability.
BankingFinanceFinancial Services
Responsibilities
Responsible to manage the strategic client relationships in Business Banking which will include managing an existing portfolio of business and the acquisition of new business
Generate, retain, & expand lending, investment and deposit relationship with new and existing clients through client referrals, centers of influence & direct prospecting
Develop, generate and follow up on new client leads through existing clients, client referrals, COI referrals, & prospecting
Manage overall relationship profitability & portfolio risk and is responsible for profitable growth of the portfolio assigned (includes loans, deposits, & fee income). Act as a consultant to clients and a resource to the Bank in developing & retaining business
Provide insight & ideas for enhancing client relationships, client cash flow, profitability, and efficiency
Manage the overall credit quality of assigned portfolio (includes sales, credit analysis, loan structuring, client and prospect interviews)
Monitor & manage existing credit relationship, which includes note renewals, reviewing & detailed analysis of current financial statements & collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions & covenant monitoring, compiling reports necessary to monitor asset & credit quality and compliance with policy/regulation
Negotiate loan proposals, analyze & evaluate credit requests & write loan commitments, recommend appropriate credit grade, make oral/written presentation to underwriter or loan committee, and implement approval/declination action
Serve as the primary link for all financial services to the individual Business Banking client with the bank (i.e. Treasury Services, International, Trust, and Cash Vault)
Participate in community & professional activities in order to enhance the bank 's image and expand personal network of business contacts for development of new business
Monitor accounts to identify potential credit problems and assure proper loan documentation. Customers tend to have complicated lending requirements involving term loan agreements, commercial real estate, and revolving credit lines
Communicate and collaborate with consistency and transparency with business banking teams and internal partners
Consistently use and maintain CRM usage
Other duties as assigned
Qualification
Required
You have a Bachelors degree OR equivalent work experience
You have at least 7 years proven business banking sales experience Demonstrates superior strategic sales knowledge selling to small business owners
You demonstrate high level of business banking product knowledge and product innovation
You have strong knowledge of market/industry trends
You demonstrate strong ability to source/produce efficient credit opportunities
You have knowledge of credit and operational risk ability to quantify potential exposure and advise team
You have strong understanding of credit underwriting
You have extensive knowledge and understanding of commercial lending practices and loan documentation/loan servicing requirements
You demonstrate advanced knowledge of financial analysis (including ratio and trend analysis and projections)
You have thorough knowledge of accounting principles and practices
You demonstrated capacity to sell products/services within the financial services industry
You demonstrates proficiency in Word, Excel, PowerPoint
Benefits
Paid Time Off
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
Company
UMB Bank
UMB Financial Corporation is a commercial bank that offers various financial services.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
$606.13M2025-05-29Post Ipo Equity· $294.53M
2024-04-29Post Ipo Equity· $201.6M
2022-09-23Post Ipo Debt· $110M
Leadership Team
Brian Hutchin
Executive Vice President, Director of Healthcare Services at UMB, Institutional Banking Division
Phillip Mason
President of Institutional Banking
Recent News
Life Insurance International
2026-01-15
2026-01-09
Company data provided by crunchbase