BB Relationship Officer I

About this role

T he   Business Banking team   actively calls on businesses that typically have annual revenue between $1MM and $20MM.   The team includes relationship managers, client   managers officers , treasury management officers and others that provide a suite of products and services that serve companies of this size. The   objective   of the group is to earn the title of   trusted   advisor and help these companies grow and prosper in our community.  

As the   Business Banking Relationship Manager I , you will   be responsible for   managing   the strategic   client relationships in Business Banking which will include managing an existing portfolio of business and the acquisition of new business .    Clients   generally are   between $1MM and $10MM in annual revenue.  

How   you’ll   spend your time:     

• You will g enerate,   retain , & expand lending,   investment   and deposit   relationship s   with new and existing clients through client referrals, centers of influence & direct prospecting.   

• You will d evelop, generate and follow-up on new client leads   through existing clients, client referrals, COI referrals, & prospecting.  

• You will m anage 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 p rovide   insight   & ideas   for enhancing client relationships, client cash flow, profitability, and efficiency.  

• You will m anage the overall credit quality of   assigned   portfolio ( includes   sales, credit analysis, loan structuring,   client   and prospect interviews).  

• You will   m onitor   & 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 n egotiate 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 s erve 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   p articipate   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   m onitor   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 c ommunicate and collaborate with consistency and transparency with business banking teams and internal partners.  

• You will c onsistently use and   maintain   CRM usage.  

• Other duties as assigned.  

  We’re   excited to talk with you if:  

• You   possess   a   Bachelors   degree OR equivalent work experience .  

• Y ou have   2 years ’   proven business banking sales experience .  

• You   d emonstrate   strategic sales knowledge selling to small business owners .  

• You   d emonstrate   business banking product knowledge and product innovation .  

• You have a wareness of market/industry trends .  

• You   d emonstrate   ability   to source/produce efficient credit opportunities.  

• You have k nowledge and understanding of commercial lending practices and loan documentation/loan servicing requirements .  

• You have k nowledge of accounting principles and practices .  

• You have   d emonstrated   capacity   to sell products/services within the financial services industry .  

• You   d emonstrate   proficiency   in Word, Excel, PowerPoint .  

Bonus points if:  

• You   possess   a   Bachelor’s degree in accounting   or finance .  

• You have b asic credit training .  

• You understand s trategic sales planning to define target markets, strategic sales approaches, and provide solutions .  

• You have s pecialized knowledge of specific markets   in order to   serve defined industries.  

• You have   a bility   to prospect and network at various levels within a company .  

• You have e nhance d   communication and negotiation skills for more complex deals and relationships .  

•   You m anage time effectively to balance new   & existing relationships to meet goals .  

• You have   u nderstanding   of credit underwriting .  

• You have k nowledge of credit and operational risk-ability to quantify potential exposure and advise team .  

• You   d emonstrate   knowledge of financial analysis (including ratio and trend analysis and projections) .  

This position was posted on 07/30/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

 Compensation Range: $67,869 - $99,836

The posted compensation range on this listing represents UMB’s good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. 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

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