UMB Bank · 18 hours ago
Business Banking Relationship Manager I
Denver CO
Full-time
Hybrid
Entry, Mid Level
$57K/yr - $109K/yr
2+ years expUMB Bank is a financial institution focused on providing services to businesses with annual revenues between $1MM and $20MM. The Business Banking Relationship Manager I will manage client relationships, generate new business, and ensure the profitability and credit quality of the assigned portfolio.
BankingFinanceFinancial Services
Responsibilities
You will generate, retain, & expand lending, investment and deposit relationships with new and existing clients through client referrals, centers of influence & direct prospecting
You will develop, generate and follow-up on new client leads through existing clients, client referrals, COI referrals, & prospecting
You will 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
You will provide insight & ideas for enhancing client relationships, client cash flow, profitability, and efficiency
You will manage the overall credit quality of assigned portfolio (includes sales, credit analysis, loan structuring, client and prospect interviews)
You will 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
You will 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
You will 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)
You will 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
You will 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
You will communicate and collaborate with consistency and transparency with business banking teams and internal partners
You will consistently use and maintain CRM usage
Other duties as assigned
Qualification
Required
You possess a Bachelors degree OR equivalent work experience
You have 2 years' proven business banking sales experience
You demonstrate strategic sales knowledge selling to small business owners
You demonstrate business banking product knowledge and product innovation
You have awareness of market/industry trends
You demonstrate ability to source/produce efficient credit opportunities
You have knowledge and understanding of commercial lending practices and loan documentation/loan servicing requirements
You have knowledge of accounting principles and practices
You have demonstrated capacity to sell products/services within the financial services industry
You demonstrate proficiency in Word, Excel, PowerPoint
Preferred
You possess a Bachelor's degree in accounting or finance
You have basic credit training
You understand strategic sales planning to define target markets, strategic sales approaches, and provide solutions
You have specialized knowledge of specific markets in order to serve defined industries
You have ability to prospect and network at various levels within a company
You have enhanced communication and negotiation skills for more complex deals and relationships
You manage time effectively to balance new & existing relationships to meet goals
You have understanding of credit underwriting
You have knowledge of credit and operational risk-ability to quantify potential exposure and advise team
You demonstrate knowledge of financial analysis (including ratio and trend analysis and projections)
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
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
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