Business Banking Client Manager

As one of UMB’s leading lines of business, the   Business Banking Team   is responsible for   helping grow the Business Banking loan portfolio with companies generating revenues from $1MM-$20 M M .  The team is made up of Business Banking Relationship Officers, Treasury Management Officers, Underwriters, Client Managers, and Analysts.  This team manages Commercial and Industrial  relationships   throughout   their lives   – developing meaningful connections with management of the companies they serve.  Always mindful of the changes in the company, its industry, etc., over time that might create a change in their financial service needs.         As the   Business Banking   Client Manager ,   you will have 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 .    You will   be responsible for   a large-sized   portfolio.         How   you’ll   spend your time:      You will s erve as a conduit for all product lines and match client needs with appropriate products .    Always looking for cross selling opportunities for all bank products.   You will g row revenue as directed by senior management by successfully prospecting new business within   portfolio   and making   appropriate referrals .   You will   m aintain   a   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.   You will n egotiate credit arrangements and prepare credit memoranda and   supporting   documentation with underwriting for presentation to approvers.   You will c ontinuously   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.   You will r ecognize 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.   You will p rovide recurring customer service to existing clients, which includes direct contact with customers and an emphasis on   maintaining UMB TUCE at all times .   You will f ile all required   reports, and   resolve all related issues in   a timely   and efficient manner .   Other duties as assigned.       W e’re   excited to talk with you if:      You   possess   a   b achelor’s degree or equivalent experience in   related   field .   You have three   years ’   banking experience including credit analysis and client management .   You   d emonstrate   a high   level   of understanding of credit underwriting .   You   d emonstrate   knowledge of bank products, services, and bank operations .   You   d emonstrate   ability   to interpret policies/procedures, loan contracts, and understanding of credit reports, financial   statements   and loan documents .   You   d emonstrate   high   level   of   analytical skill .   You   d emonstrate   ability   to be   self -starter and show initiative .   You   d emonstrate   strong communication   skills (verbal   & written ) .   You   d emonstrate   proficiency   in Word,   Excel   &   PowerPoint .   You have   a bility   to prospect and network at various levels within a company .     Bonus points   if:    You have knowledge of lending products   & cross selling