This is a role has a primary focus on managing a portfolio of Business Banking clients, expanding the relationship with UMB within the client portfolio and a secondary focus on new customer acquisition, primarily through leveraging client portfolio relationships and contacts. Will have responsibility for a large size portfolio.
Serve as a conduit for all product lines and match client needs with appropriate products. Always looking for cross selling opportunities for all bank products.
Grow revenue as directed by senior management by successfully prospecting new business within portfolio and making appropriate referrals.
Maintain 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.
Negotiate credit arrangements and prepare credit memoranda and supporting documentation with underwriting for presentation to approvers.
Continuously monitor borrowing base reports and covenant compliance with regular reporting requirements for client base. Establish protocols and maintain tracking of documentation exceptions, past dues, field exams, borrowing base reports and covenant exceptions.
Recognize and manage early warning signs for client portfolio on a recurring basis, which may include but are not limited to the following: analyze borrower/guarantor financial performance upon receipt of reporting requirements, either monthly, quarterly or annually. Fully analyze and confirm borrowing base and financial covenant compliance, analyze payment performance benchmarks and perform regular financial reviews.
Provide recurring customer service to existing clients, which includes direct contact with customers and an emphasis on maintaining UMB TUCE at all times.
File all required reports, and resolve all related issues in a timely and efficient manner.
Other duties as assigned. Bachelor's degree or equivalent experience in related field
3 years banking experience including credit analysis and client management Demonstrates strong level of understanding of credit underwriting
Demonstrates knowledge of bank products, services, and bank operations
Demonstrates ability to interpret policies/procedures, loan contracts, and understanding of credit reports, financial statements and loan documents
Demonstrates strong analytical skill
Demonstrates ability to be self starter and show initiative
Demonstrates strong communication skills (verbal & written)
Demonstrates proficiency in Word, Excel, PowerPoint
Ability to prospect and network at various levels within a company

Compensation Range:

Minimum: $69,230.00 - Maximum: $179,300.00

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.

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.

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