UMB Bank BB Relationship Officer Sr in Omaha, Nebraska
Duties and 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. Clients generally are between $1MM and $10MM 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 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.
Minimum Knowledge and Skills:
-Demonstrates superior strategic sales knowledge selling to small business owners
-Demonstrates high level of business banking product knowledge and product innovation
-Strong knowledge of market/industry trends
-Demonstrates strong ability to source/produce efficient credit opportunities.
-Knowledge of credit and operational risk-ability to quantify potential exposure and advise team
-Strong understanding of credit underwriting
-Extensive knowledge and understanding of commercial lending practices and loan documentation/loan servicing requirements
-Demonstrates advanced knowledge of financial analysis (including ratio and trend analysis and projections)
-Thorough knowledge of accounting principles and practices
-Demonstrated capacity to sell products/services within the financial services industry
-Demonstrates proficiency in Word, Excel, PowerPoint
Culture of Diversity and Inclusion: We are committed to building a strong UMB by hiring talented, high-performing associates with diverse backgrounds. Maybe you simply want to work at a company where you have a voice and an opportunity to share your unique ideas.
Please visit us at careers.umb.com to view a list of all available opportunities. UMB is an Equal Opportunity Employer. Principals only. No 3rd parties or agencies, please.
Preferred Knowledge and Skills:
-Strategic sales planning to define target markets, strategic sales approaches, and provide solutions
-Specialized knowledge of specific markets in order to serve defined industries.
-Ability to prospect and network at various levels within a company
-Enhance communication and negotiation skills for more complex deals and relationships
-Manages time effectively to balance new & existing relationships to meet goals
We strive to deliver the unparalleled customer experience, and show customers they can count on more from UMB. The same is true for our associates. You can count on more benefits, more training, more support, and more opportunity!
What you'll get:
Unique Benefit Programs : We offer a great benefits package including several unique programs like an incentive-based wellness program, parental leave, adoption assistance and health care for you, your spouse or domestic partner, your dependents and even your pets!!
-Bachelors degree OR equivalent work experience
-7 years proven business banking sales experience
Community Involvement: Giving back is a big part of who we are! We support several great causes throughout the UMB footprint. We even offer Volunteer Time Off, which allows associates to dedicate 16 hours a year to a worthy cause of their choice.
Professional Development: We provide our associates with the tools they need to support their career goals - including training, tuition reimbursement and career guidance.
-Bachelor¿s degree in accounting or finance
BB Relationship Officer Sr
16929 Burke Street