Commercial Relationship Manager III-Food, Beverage & Agribusiness

📋 Description

• • UMB Financial Corporation is seeking a highly motivated and experienced Commercial Relationship Manager III to join our dynamic Food, Beverage & Agribusiness banking team. This pivotal role is designed for a seasoned professional who thrives on building new business relationships and expertly managing an existing portfolio within the commercial banking sector. You will be instrumental in driving the growth and profitability of our bank by serving as a trusted advisor to businesses typically generating annual revenues between $50 million and $500 million.
• • As a Commercial Relationship Manager III, your primary responsibility will be to cultivate new commercial loan opportunities and expand existing client relationships. This involves a proactive approach to prospecting within the specialized Food, Beverage & Agribusiness industries, understanding their unique challenges, and identifying how UMB's comprehensive suite of financial products and services can support their growth and success. You will be the primary point of contact, ensuring client satisfaction and retention through exceptional service and strategic financial guidance.
• • A key aspect of this hybrid role is the ability to cross-sell a wide array of UMB's offerings beyond traditional loan products. This includes treasury management solutions, virtual card services, trust services, and other non-credit products. Your expertise will be crucial in matching client needs with the most appropriate solutions, thereby deepening client engagement and increasing the bank's overall profitability. You will act as a central conduit, connecting clients with the right internal specialists to deliver tailored financial strategies.
• • Success in this position hinges on your strong credit acumen and a thorough understanding of underwriting principles and bank operations. You will be responsible for analyzing complex financial situations, assessing risk, and preparing detailed credit memoranda for presentation to the loan committee. This requires a keen eye for detail, sound judgment, and the ability to articulate complex financial information clearly and concisely.
• • Beyond credit analysis, you will actively manage the credit quality of your assigned portfolio, ensuring compliance with bank policies and regulatory requirements. This involves regular client interaction, proactive risk mitigation, and timely identification of potential issues. Your ability to build and maintain strong, long-term relationships based on trust and mutual benefit will be paramount.
• • The role also involves staying abreast of industry trends and key players within the Food, Beverage & Agribusiness sectors. This deep industry knowledge will enable you to provide more insightful advice and identify emerging opportunities for both the client and the bank. You will be expected to develop a sophisticated understanding of the business models, operational challenges, and financial dynamics specific to these industries.
• • Collaboration is essential. You will work closely with internal partners, including credit analysts, treasury management officers, and other product specialists, to deliver integrated financial solutions. You may also have the opportunity to mentor less experienced Commercial Banking Associates, sharing your expertise and contributing to the development of future talent within the team.
• • This position offers a significant opportunity for professional growth and development within a supportive and forward-thinking organization. UMB Financial Corporation is committed to fostering a culture where employees are valued, empowered, and encouraged to build long-term careers. We believe in providing our team members with the resources and opportunities they need to excel, both professionally and personally.
• • The ideal candidate will be resilient, agile, accountable, and driven, with a genuine curiosity about how businesses operate and a passion for helping them thrive. If you are a results-oriented professional with a proven track record in commercial banking and a specialization in the Food, Beverage & Agribusiness sector, we encourage you to apply and become a vital part of our community-focused banking team.