Business Banking Relationship Manager II

In-office

Minnesota Bank & Trust

Full time

R-8398

The Business Banking team actively calls on businesses that typically have annual revenue between $1MM and $20MM. The team includes relationship managers, client managers officers, 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 to earn the title of trusted advisor and help these companies grow and prosper in our community.

As the Business Banking Relationship Manager I I, you will be responsible for managing 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 $20MM in annual revenue.

How you’ll spend your time:  ** **

• You will generate, retain, & expand lending, investment and deposit relationship with new and existing clients through client referrals, centers of influence & direct prospecting.

• You will develop, generate and follow-up on new client leads through existing clients, client referrals, COI referrals, & prospecting.

• You will 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.

• You will provide insight& ideas for enhancing client relationships, client cash flow, profitability, and efficiency.

• You will manage the overall credit quality of assigned portfolio (includes sales, credit analysis, loan structuring, client and prospect interviews).

• You will 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.

• You will negotiate loan proposals, analyze & evaluate credit requests & write loan commitments, recommend appropriate creditgrade, make oral/written presentation to underwriter or loan committee, and implement approval/declination action.

• You will 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).

• You will participate in community & professional activitiesin order to enhance the bank’s image and expand personal network of business contacts for development of new business.

• You will monitor accounts toidentify potential credit problems andassure proper loan documentation. Customers tend to have complicated lending requirements involving term loan agreements, commercial real estate, and revolving credit lines.

• You will communicate and collaborate with consistency and transparency with business banking teams and internal partners.

• You will consistently use and maintain CRM usage.

• Other duties as assigned.

** ** We’re excited to talk with you if:

• You possess a Bachelors degree OR equivalent work experience.

• You have 5 years’ proven business banking sales experience.

• You demonstrate strategic sales knowledge selling to small business owners.

• You demonstrate business banking product knowledge and product innovation.

• You have awareness of market/industry trends.

• You demonstrateability to source/produce efficient credit opportunities.

• You have knowledge of credit and operational risk-ability to quantify potential exposure and advise team.

• You have an understanding of credit underwriting.

• You have knowledge and understanding of commercial lending practices and loan documentation/loan servicing requirements.

• You demonstrate knowledge of financial analysis (including ratio and trend analysis and projections).

• You have knowledge of accounting principles and practices.

• You have demonstratedcapacity to sell products/services within the financial services industry.

• You demonstrateproficiency in Word, Excel, PowerPoint.

Bonus points if:

• You possess a Bachelor’s degree in accounting or finance.

• You understand strategic sales planning to define target markets, strategic sales approaches, and provide solutions.

• You have specialized knowledge of specific markets in order to serve defined industries.

• You have the ability to prospect and network at various levels within a company.

• You have enhanced communication and negotiation skills for more complex deals and relationships.

• You manages time effectively to balance new & existing relationships to meet goals.

This position was posted on 08/27/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range:

$81,864 - $120,406

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.

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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.

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