Commercial Relationship Manager II

Posted 3 Days Ago
Be an Early Applicant
St. Joseph, MO, USA
In-Office
98K-145K Annually
Junior
Fintech
The Role
Develops new commercial banking business and manages an existing portfolio of clients with $50 million to $500 million in annual revenue. Responsibilities include prospecting, cross-selling banking products, maintaining client relationships, managing loan and portfolio credit quality, negotiating credit arrangements, preparing credit memoranda, and making referrals. The role requires commercial sales, credit underwriting knowledge, relationship management, communication, time management, and proficiency with Microsoft Office.
Summary Generated by Built In

The Commercial Banking team actively calls on businesses that typically have annual revenue between $50MM and $500MM.  The team includes relationship managers, 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 earn the title of trusted advisor and help these companies grow and prosper in our community.  


As the Relationship Manager II, you will be responsible for developing new commercial business, while maintaining a portfolio.  While loan product is important, cross selling with current and prospective clients is a key element of this role. 


How you’ll spend your time: 

  • Serves a conduit for all product lines and matches client needs with appropriate products. 
  • Grows revenue as directed by senior management by successfully prospecting new business and making appropriate referrals. 
  • Maintains portfolio by calling on existing customers to expand existing business, ensure excellent client relations & proper servicing of account(s). 
  • Manage loan & portfolio credit quality. 
  • Negotiate credit arrangements and prepare credit memoranda and supporting documentation for presentation to the loan committee. 
  • Other duties as assigned. 

  

We’re excited to talk to you if:   

  • You possess a bachelor’s degree or equivalent experience in related field. 
  • You have 2 years' sales experience. 
  • You have demonstrated intermediate knowledge of credit. 
  • You have demonstrated knowledge of bank products, services, and bank operations. 
  • You have demonstrated ability to be self-starter and show initiative. 
  • You have demonstrated excellent communication skills (verbal & written). 
  • You have demonstrated proficiency in Word, Excel, PowerPoint. 
  • You have an intermediate level of understanding of credit underwriting. 
  • You have demonstrated ability to manage time effectively to balance new & existing relationships to meet goals. 

 

Bonus points if: 

  • You have 2 years commercial sales experience. 
  • You have the ability to prospect and network at various levels within a company. 

 

 

 

 

 

This position was posted on 11/06/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range:

$98,208 - $144,705

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 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.


UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to [email protected] to let us know the nature of your request.


If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.


#LI-AS1

Skills Required

  • Bachelor's degree or equivalent experience in a related field
  • Two years of sales experience
  • Intermediate knowledge of credit
  • Knowledge of bank products, services, and bank operations
  • Ability to demonstrate initiative and work independently
  • Excellent verbal and written communication skills
  • Proficiency in Microsoft Word, Excel, and PowerPoint
  • Intermediate understanding of credit underwriting
  • Ability to manage time effectively while balancing new and existing relationships
  • Two years of commercial sales experience
  • Ability to prospect and network at various company levels

UMB Banks Compensation & Benefits Highlights

The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about UMB Banks and has not been reviewed or approved by UMB Banks.

  • Leave & Time Off Breadth — PTO is positioned as generous, with at least 20 days for full-time employees that scale with tenure, plus dedicated volunteer hours and a personal well-being day. This breadth is complemented by paid holidays and additional time-off elements described in company materials.
  • Parental & Family Support — Up to eight weeks of paid parental leave at 90% of base pay is offered, alongside adoption reimbursement, fertility coverage, caregiver leave, and family-care tools. These supports indicate a robust approach to family and caregiver needs.
  • Retirement Support — Retirement offerings include a 401(k) with company match plus profit sharing with an ESOP component. The retirement program is described as a strong aspect of the overall package.

UMB Banks Insights

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The Company
HQ: Kansas City, MO
3,689 Employees
Year Founded: 1913

What We Do

UMB Financial Corporation is a leading provider of financial services for individuals and institutions. Bank deposit products provided by UMB Bank n.a., Member FDIC. Equal Housing Lender. For additional disclosures and information, view our Privacy Statement and Legal Terms and Conditions found on www.umb.com.

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