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Business Banking Team Leader-Omaha

This is a player/coach role with responsibilities as a BB Relationship Officer and Team Lead.

As a Relationship Officer responsibilities include:

+ Manage the strategic client relationships in Business Banking which will include managing an existing portfolio of business and the acquisition of new business with clients generally between $1MM and $20MM in annual revenue.

+ 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 verbal/written presentation(s) 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.

+ Communicate and collaborate with consistency and transparency with Business Banking team and internal partners.

+ Consistently use and maintain CRM usage.

Requirements:

+ Bachelor's degree OR equivalent combination of education and experience

+ 7+ years of proven Business Banking sales experience

+ Superior strategic sales knowledge selling to business owners

+ High level of Business Banking product knowledge and innovation

+ Strong knowledge of market/industry trends

+ Strong ability to source/produce efficient credit opportunities

+ Good knowledge of credit and operational risk with the ability to quantify potential exposure

+ Strong understanding of credit underwriting

+ Extensive knowledge and understanding of Commercial Lending practices and loan documentation/loan servicing requirements

+ Advanced knowledge of financial analysis (including ratio and trend analysis and projections)

+ Thorough knowledge of accounting principles and practices

+ Ability to sell products/services within the financial services industry

+ Strategic sales planning to define target markets, strategic sales approaches, and provide solutions

+ Enhanced communication and negotiation skills for more complex deals and relationships

+ Ability to manage time effectively to balance new & existing relationships to meet goals

+ Strong leadership skills with the ability to coach and mentor others

Compensation Range:

$83,200.00 - $178,800.00

_The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. 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.

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