Bank Without Degree Jobs in Rio Rancho, NM (NOW HIRING)

BUSINESS BANKING RELATIONSHIP OFFICER-ALBUQUERQUE, NM
As one of UMB's leading lines of business, the Business Banking Relationship Officers are responsible for helping grow the Business Banking loan portfolio and selling other related revenue-generating services to clients. The team is made up of Business Banking Relationship Officers, Treasury Management Officers, Underwriters, Client Managers, and Analysts. This team manages Commercial and Industrial and Practice Finance relationships throughout its life - developing meaningful connections with the leadership 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 Relationship Officer, you will be selling bank products and services to companies with revenues between $1mm-$20mm. These products and services are Commercial & Industrial, Practice Finance and Payment Technology solutions that will entice prospective companies to award new business to UMB. You will engage and build relationships in the community with Business Owners, CFO's, CEO's, and Controllers. You will also manage existing business, maintaining relationship profitability & portfolio risk, and the profitable growth of the portfolio, including loans, deposits, & fee income. You have the ability to help clients achieve their financial dreams, streamline business processes and help them better understand their working cash flow needs.
Working at UMB is about our internal collaborative spirit, entrepreneurial pride, encouraging creativity, rewarding success, having fun winning business, community involvement, and being valued not only for the work that you do, but also for the person you are. You are encouraged to bring your thoughts to the table, no matter the role that you are in.
How you'll spend your time:

• You will utilize your networking abilities in the community by participating in community and professional activities to enhance UMB's image and brand and build new business.
• You will utilize your credit skills to qualify companies eligible for loan business while managing the overall credit quality of the assigned portfolio to ensure the loan quality.

• You will utilize your negotiation skills to negotiate loan proposals, analyze and evaluate credit requests, and write loan commitments for presentation to an underwriter or loan committee for loan approval.
• Utilizing your communications skills, you will serve as the primary contact for all financial services to individual Business Banking clients with the bank to ensure business retention.

We're excited to talk with you if:

• If you have a Bachelor's degree or equivalent work experience of up to 5 years in a commercial lending role.

• If you have demonstrated experience in sales to small businesses, credit knowledge, and credit underwriting knowledge.
• Bonus points if you have strategic industry sales knowledge and marketing abilities in those industries.

This position was posted on 08/04/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.
Compensation Range:
$67,869 - $99,836
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 talentacquisition@umb.com 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.
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