Virtual Card Processor Jobs in California (NOW HIRING)

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.

This is a hybrid role which is 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. The Commercial Relationship Manager serves as a conduit for all product lines and matches client needs with appropriate products.

As the Relationship Manager you will be responsible for increasing the Bank's profitability by cultivating new commercial relationships and the expansion/retention of existing relationships. In this role you must utilize your credit acumen and be knowledgeable in non-credit products such as treasury management, virtual card, trust, etc. Successful candidates for this role will be resilient, agile, accountable and driven.

How you'll spend your time:

• Building your own commercial loan portfolio by prospecting for new Food, Beverage & Agribusiness opportunities.
• Growing revenue as directed by senior management by successfully prospecting new business and making appropriate referrals.
• Maintaining a portfolio by calling on customers to expand existing business, ensure excellent client relations & proper servicing of account(s).
• Developing a sound understanding of the industry types served and the key players within these industries.
• Managing loan & portfolio credit quality.
• Negotiating credit arrangements and preparing credit memoranda and supporting documentation for presentation to the loan committee.
• Collaborate with commercial clients to better understand their business and financial needs.
• Analyze the business to qualify clients for bank products and services.
• May mentor less experienced Commercial Banking Associates.

We're excited to talk to you if you have:

• 5+ years of sales experience with 2+ years in Commercial Bank/Food, Beverage & Agribusiness experience.
• A bachelor's degree or equivalent combination of education and experience.
• Curiosity about how companies work and the willingness to help them grow and remain successful.
• Demonstrated knowledge of credit, bank products, services, underwriting and bank operations.

This position was posted on 08/26/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range:

$141,354 - $207,900

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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