BB Team Leader
Posted on Nov 12, 2018 by UMB Bank
What You'll Do:
This is a player/coach role with responsibilities as a BB Relationship Officer and Team Lead.
As a Relationship Officer you will be responsible for:
-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 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. 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.
As a Team Leader, you will be responsible for:
-Hire, lead, manage, motivate, train, develop, and coach a group of 2-3 Business Banking Relationship Officers, who will be co-located with you.
-Provide strategic direction and leadership to Relationship Officers to pursue development of new and existing customer accounts.
-Lead a team in one to three Relationship Officers.
-Provide strategic direction and management of budget, FTE, recruitment, portfolio growth & items related to P&L.
-Sustain profitability and annual growth of sales of financial products and services through providing commercial lending, asset-based lending, and banking services to small business accounts through designated staff.
-Develop revenue, volume, and market share objectives for assigned staff.
-Ensure team is monitoring and managing existing credit relationships, which includes note renewals, reviewing, and detailed analysis of current financial statements and collateral valuations, credit analysis, cash flow analysis, delinquency reporting, documenting exceptions, and covenant monitoring, compiles reports necessary to monitor asset and credit quality and compliance with policy/regulation.
-Participate in community and professional activities in order to enhance the bank's image and expand personal network of business contacts for development of new business and new banker recruits.
Who You Are:
-Bachelor's degree OR equivalent work experience
-7 years proven business banking sales experience
-Bachelor's degree in accounting or finance
-Previous supervisory/management experience
In this Role, You will Need:
-Demonstrates superior strategic sales knowledge selling to small business owners
-Demonstrates high level of business banking product knowledge and product innovation
-Demonstrates strong knowledge of market/industry trends
-Demonstrates strong ability to source/produce efficient credit opportunities
-Demonstrates knowledge of credit and operational risk-ability to quantify potential exposure and advise team
-Demonstrates strong understanding of credit underwriting
-Demonstrates 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)
-Demonstrates thorough knowledge of accounting principles and practices
-Demonstrates capacity to sell products/services within the financial services industry
-Demonstrates strategic sales planning to define target markets, strategic sales approaches, and provide solutions
-Demonstrates enhanced communication and negotiation skills for more complex deals and relationships
-Demonstrates ability to manage time effectively to balance new & existing relationships to meet goals
-Demonstrates ability to mentor others
-Demonstrates leadership skills
-Demonstrates proficiency in Word, Excel, PowerPoint
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!!
Professional Development:We provide our associates with the tools they need to support their career goals - including training, tuition reimbursement and career guidance.
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.
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.