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Connecting the Dots: Commercial client forum

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You’ve probably attended industry or community events with time set aside for networking. But, have you ever met at your company’s bank for an event dedicated solely to networking and sharing ideas? Earlier this year, UMB’s commercial banking team brought together a group of our clients to share ideas and perspectives about everything from succession planning to product evolution and other leadership topics. We sat down with Brian Beaird, senior vice president in UMB’s Commercial Banking department, to discuss this informative client forum.

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What was your goal with the forum?

We wanted to bring in a handful of our clients so they could discuss leadership topics and expand their business networks. The goal was to create meaningful opportunities to develop relationships beyond traditional commercial banking interactions. We wanted to connect our clients to others like them so they could discuss real-life challenges and take away tangible ideas to consider for their businesses.

Who did you invite to this event?

We invited senior leadership from ten middle market clients across our eight-state footprint. The clients represented various industries, from construction to non-profits. They also represented various types of leadership within the company. Three of the businesses are family run, ranging from first to third generation leadership.

Specifically, what did the attendees discuss?

In addition to the general leadership topics, we utilized articles from the Harvard Business Review to guide our discussion. The articles created a framework for facilitated discussion that created unique perspectives based on the various styles of leadership in the room and industry-specific scenarios that enabled group members to think differently about their business.

What surprised you about their conversations?

The clients who attended provided a unique perspective that helps us to better understand how various industries are performing and how they are projected to perform. Additionally, it was interesting to watch the attendees make connections to similar issues they’ve experienced, even if they were in different industries. For example, one attendee was concerned with an aspect of his company’s succession plan. Another attendee had a very similar experience in his company and the two were able to talk after the forum and exchange ideas on how to help solve the problem.

What was the outcome of these meetings?

The companies we bring in for these forums are geographically separated, but they have begun to do business together and leverage the experiences of the group as an information source for decision-making. Two attendees have actually developed a business partnership as a direct result of this meeting.

Having done two of these forums since last fall, we continue to follow up with the attendees to ensure the conversation continues. In fact, one member requested that we help lead a strategic off-site meeting for their company.

The most important takeaway we’ve seen from these meetings is the company leaders have realized it’s important for them to branch outside of their networks like this on a regular basis. Communicating with other companies outside the standard, day-to-day business interactions can help you create partnerships you may never have developed otherwise. You may even be able to learn from the experiences of other companies and apply them to your own.

 

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.


Mr. Beaird is a senior vice president in UMB’s Commercial Banking department. He is responsible for commercial banking strategy, which focuses on the development of growth through our people and various markets. He joined UMB in 2009 and has 14 years of experience in the financial services industry. He earned an MBA and a master’s degree in human resources from Webster University in Kansas City, MO. Mr. Beaird is also the co-founder of the Kids to Kings youth basketball organization.



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Watching the Forecast: Ag interest rates may soon rise

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If you are an agribusiness leader, you have many variables to consider in today’s market. Weather patterns spanning across the too wet/too dry continuum continue to baffle producers. Grain and commodity prices have started to gain strength, and both are up from recent levels but are still below the highs of the past several years. And land prices continue to hold (for now) at historically high levels in many areas of the country.

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These factors are all important, but there is one other variable that may be the most important when planning for your financial future: interest rates. With historically low rates currently being offered for operating lines of credit, as well as some floating rate term debt financing that has been put in place during the last four to five years, it’s important to remember that interest rates can change as fast and dramatically as corn prices.

As the American economy improves and the Federal Reserve Bank looks at beginning to ease its securities purchasing, the stage is set for a return to “normal” interest scenarios during the next couple of years. As that happens, producers with large floating rate exposure can expect to see their interest expense double or even triple during that same time frame. The range between fixedand floating rates will also expand, returning to levels similar to those before the financial crisis. When that happens, borrowers with only floating rates will be at the mercy of the financial markets in terms of controlling their interest expense.

Reviewing your balance sheets and future cash flows now – with an eye toward the next several years – can both produce large potential interest expense savings and protect against possible loan repayment challenges. As you look ahead, here are four steps to better financial planning:

  1. Review your current debt and forecast projected debt levels for the next four years. Include your amounts, repayments required, current rates, and most importantly, whether your rates are fixed or floating.
  2. Optimize how you use your fixed assets (land or equipment) for securing the minimum level of total debt anticipated each year. This should be done regardless of whether it is presently for revolving/working capital lines or fixed assets.
  3. Determine your available cash flow for debt service during the next four years.
  4. Structure new fixed-rate debt now by using a conservative debt service coverage ratio (1.3 to 1 or greater).

By fixing rates now, with proper use of fixed assets as collateral, and carefully forecasting future operational cash flows, you can effectively lock in today’s historically low rates, save tens of thousands of dollars or more in interest expense, and be far better prepared to manage other variables that may come into play.

 

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.


Mr. Watson serves as president of the UMB Agribusiness Division. He joined UMB in August of 2005 and has also served as the president of the UMB Kansas region. Watson is a graduate of Wabash College in Crawfordsville, Indiana with a major in Psychology. He has also attended The Colorado School of Banking, The National Commercial Lending School (where he has also been an instructor), and the Stonier Graduate School of Banking.



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The business of doing good: How to manage your non-profit’s finances (Part 3)

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Recently, UMB hosted a group of almost 40 representatives from Colorado Springs non-profits to talk about a variety of financial management tips for non-profit organizations. In my previous blog posts I highlighted two topics that came up during the conversation: streamlined fundraising processes and supporter/employee enthusiasm. The third subject we discussed was the idea that non-profits need a bank that acts as an extension of the organization.

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Most people probably don’t automatically make the connection between a bank and a non-profit, but the two organizations can work together to create a productive partnership. An important part of the support non-profits need to thrive is the relationship they have with their bank. Since funding is the primary way to ensure that the non-profit can continue to operate, good financial management is key. A strong relationship between a non-profit and their bank may give the staff peace of mind and help them to focus on doing good things for their community and less about their financial management.

Some challenges that non-profits face include getting sufficient funding, board and associate development and staff retention. Your bank may be able to direct you to resources that can help you overcome these challenges:

A good relationship with your bank can also help your organization achieve a sound financial structure. In addition to keeping the organization up and running, a solid balance sheet could help attract new leadership to your organization. One of our non-profit clients came to us with a potential board member who was interested in joining the organization’s investment board. The potential board member was passionate about the organization but concerned about their investment risk management. After talking with UMB and the non-profit leadership about the investment risk, he was no longer worried and joined the board because he could focus on his passion for the organization.

Non-profits offer many invaluable services to their communities. While these organizations differ from for-profit businesses in their mission and goals, they have the same business principles. Treating the financial management of a non-profit like a business helps the organization in the long run because they’re able to focus on serving the needs of their community.

 

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.


Mr. Doyle is community bank president for UMB’s Colorado Springs region. He is responsible for guiding strategic direction in the Colorado Springs region as a member of the Colorado management team. He joined UMB in 2011 and has eight years of experience in the financial services industry. He earned a bachelor’s degree in finance from Florida State University in Tallahassee, Fla. and a master’s degree in business administration from Oral Roberts University in Tulsa, Okla.



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Veterans Day

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Veterans DayHappy Veterans Day

To those who have or are currently serving our country, we thank you for defending and protecting our nation. Your invaluable contributions and sacrifices are greatly appreciated and never forgotten.

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UMB Financial Corporation (Nasdaq: UMBF) is a financial services holding company headquartered in Kansas City, Mo., offering complete banking, payment solutions, asset servicing and institutional investment management to customers. UMB operates banking and wealth management centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona. It also has a loan production office in Texas. Subsidiaries of the holding company include mutual fund and alternative investment services groups, single-purpose companies that deal with brokerage services and insurance, and a registered investment advisor that manages the company's proprietary mutual funds and investment advisory accounts for institutional customers.



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Infographic: 1913 vs. 2013 (Part 3)

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What does your grocery budget look like today? Imagine what it would’ve been in 1913!

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1913 vs. 2013 Infographic Part 3

1913 vs. 2013 Part 1 and Part 2.


UMB Financial Corporation (Nasdaq: UMBF) is a financial services holding company headquartered in Kansas City, Mo., offering complete banking, payment solutions, asset servicing and institutional investment management to customers. UMB operates banking and wealth management centers throughout Missouri, Illinois, Colorado, Kansas, Oklahoma, Nebraska and Arizona. It also has a loan production office in Texas. Subsidiaries of the holding company include mutual fund and alternative investment services groups, single-purpose companies that deal with brokerage services and insurance, and a registered investment advisor that manages the company's proprietary mutual funds and investment advisory accounts for institutional customers.



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Janet Yellen: The Next Chairperson of the Federal Reserve

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Janet who? Janet Yellen, the seemingly-unknown current vice-chairperson of the Federal Reserve(the Fed), was nominated by the President to succeed Ben Bernanke after several White House favorites were first considered. Bernanke, the current chairman of the Fed, is vacating the position he has held since 2006 at the end of January 2014.

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Yellen now awaits the Senate confirmation process, which she should easily glide through as the Republicans appeared to support her as a candidate while the President sought alternative contenders earlier in the process. She appears to have a very good track record on judging appropriate policy. Whether a dove (low rates and inflation) or a hawk (inflation a threat), what’s important is supporting the appropriate policy at the appropriate time…which she has done. She is battled-tested, having worked in key policy roles through both the Asian financial crisis in 1997and the recent global financial crisis.  She has spent most of the past two decades as a leading voice within the Fed, initially as a member of the Federal Reserve Board of Governors, then as president and chief executive officer of the San Francisco Federal Reserve Board, and over the past four years as vice chairman of the Federal Reserve.

We think Yellen, like Bernanke, may view the risk of the economy becoming stuck in a low-to-moderate growth path great enough to provide ongoing risk insurance, such as delaying the tapering of quantitative easing or even, if necessary, providing additional stimulus.

Yellen is characterized by those who know her as a brilliant thinker who focuses on the human side of economics.  As vice chair of the Fed, she was credited with forming the Fed’s communication policy including the chairman’s quarterly press conference. This press conference – and communication in general – may become more critical as we transition from a period of large-scale asset purchases to one of strong “forward guidance” from the Fed. Yellen has also been a proponent of maintaining the Fed’s zero interest rate policy and continuing the Fed’s asset purchase program.

If confirmed, she will be the first women to lead the Fed.  We think she is extremely qualified and will do an exceptional job.  We don’t expect much change with respect to the current Fed policy, and neither does the market. Upon her nomination in early October, the market let out a big yawn; markets didn’t move much then and haven’t since.

 

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.


K.C. Mathews joined UMB in 2002. As executive vice president and chief investment officer, Mr. Mathews is responsible for the development, execution and oversight of UMB’s investment strategy. He is chairman of the Trust Investment, Asset Allocation and Trust Policy Committees. Mr. Mathews has more than 20 years of diverse experience in the investment industry. Prior to joining UMB, he served as vice president and manager of the portfolio management group at Bank of Oklahoma for nine years. Mr. Mathews earned a bachelor’s degree from the University of Minnesota and a master’s degree in business administration from the University of Notre Dame. Mr. Mathews attended the ABA National Trust School at Northwestern University and is a Chartered Financial Analyst and member of the CFA Institute. He is past president of the Kansas City CFA Society and a past president of the Oklahoma Society of Financial Analysts.



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My Home is Worth What? (Hometown Perspective: Denver)

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UMB serves communities across an eight-state footprint. Each region is different, with its own personality and local economy. With that in mind, we’re launching a new Hometown Perspective series where you can gain insight into UMB and the communities we serve.

HomeAs a recent home buyer in Denver, I was pleasantly surprised to see that my home had increased in value by almost 40 percent over the last several months. No, I’m not a real estate genius with an uncanny ability to spot a home at low price and flip it for a profit.  Actually, I bought my home with the idea that I would live there for the rest of my life.

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So why do I care about a rise in home value if I’m not planning to sell any time soon, if ever? The answer is that my home is a series of projects and this boost in value gives me the equity to spend on home improvements. I will be able to add a floor over the subfloor in the living room and remodel the kitchen with new cabinets and a double oven with a warming drawer. This has been the plan all along but now I can complete these projects much sooner than I expected.

 

So if you’re like many in the Denver area and your home has increased in value recently, what should you do? Put a “For Sale” sign in your front yard? Head to your local bank and apply for a Home Equity Line of Credit (HELOC)? It all depends on your own situation and your long-term plan.

  • Selling

    If you’re thinking about selling your home because the value has increased, you might consider sprucing it up a bit and then contacting your realtor. Add a coat of paint to some of the walls or have the carpet professionally cleaned. Then call up a real estate professional to work with you on selling your home.

  • Renovating

    If you plan to stick with your home for the long haul, it might be a good time to consider using your equity to start a remodeling project. If you have any questions or concerns, reach out to a trusted source of advice like your financial advisor or local banker.  They are usually well-equipped with experience, knowledge and tools that can help you decide.

Whatever you choose to do, be cautious and don’t jump into any big decisions without doing research. Look up the value of your home on sites like Zillow* and Trulia*. If you’re planning to apply for a HELOC, talk to a financial professional at your local bank about how much of your home’s value to borrow. You might even consider getting multiple opinions. If you plan to sell, you can consult your realtor on the best steps to take to prepare your home and when is the best time to put it on the market.

While you can work with a good real estate market to your advantage, your home is an asset that you should use wisely.

 

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.

* UMB Bank, n.a. has provided these links for informational purposes only, and in no way endorses or insures the accuracy of the information contained therein.


Ms. Hales is vice president, financial center manager for the UMB financial center located in the Capitol Hill neighborhood in Denver, Colo. She is responsible for planning and executing sales routines with branch staff, coaching all team members. She joined UMB in 1990 and has 23 years of experience in the financial services industry.



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Simplifying your credit

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When was the last time you downloaded your credit score? If you can’t remember or you have never checked it, you should consider taking a look at it soon. But you’re not alone. Two thirds of the population have not downloaded their credit report in the past year, despite the fact that the average American owes $118,000 in debt. This includes mortgage, student loans, credit card debt, etc.

Pie Chart Downloaded Credit Report in Last 12 Months

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Why do you need to know your credit score? High debt combined with little to no information about your credit score could put you in a risky financial situation. If you have so much debt that you can’t keep up with it and your regular monthly bills, you might end up paying a bill late or forget to pay it at all. This will lead to a lower credit score. Then when you go to apply for a home or car loan, you could be either denied or receive a higher than normal interest rate based on your lowered score.

Unfortunately, this has become a very common scenario. Many people are living month-to-month and often carry over their credit card debt each month just like their regular bills. One third of working adults don’t pay bills on time in part due to the number of accounts they have. Many have trouble keeping up with monthly expenses, requiring them to dip into savings to cover regular expenses.

Pie Chart Pay Bills on Time

Did you know that there are ways to reduce your loan interest rates and monthly payments? You can also reduce the number of payments you owe and even earn money with rewards points from certain credit cards.

To simplify your credit, consider the following options:

  • Use the bill pay option with your bank

    This saves time and you can go to one place to manage all of your bills and schedule them to pay once per month.

  • Consolidate your debt

    Consolidating your debt allows you to have one payment for all your debt and you can usually obtain a lower interest rate. This can allow you to pay your debt in less time for less money.

  • Reduce the number of credit cards you use

    This is another way to help you keep track of your spending and bills. Consider using a credit card that allows you to earn rewards. When you use the card you can earn points toward purchases, helping you save money.

  • Take advantage of low interest rates

    If you refinance your current mortgage to the low rates available now, you can save on your monthly payment. This is also true of auto loan rates.

If you feel overwhelmed by debt and monthly bills, take advantage of these ways to simplify your credit to help you work on becoming debt-free. Even if you don’t have much personal debt, it’s still a good idea to consider these tips to organize your finances, save money, and monitor your credit.

 

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.


Mr. Burditt serves as senior vice president of customer experience in UMB’s Consumer Division. He is responsible for developmental and strategic direction of the UMB consumer customer experience. He joined UMB in 2011. Mr. Burditt earned a Bachelor of Science degree in agricultural journalism from the University of Missouri-Columbia. He also is a graduate of the Greater Kansas City Chamber of Commerce’s Centurions program.



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The art of fine art management

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Have you ever watched Antiques Roadshow? This popular public television show shares interesting stories of people happily discovering their personal treasures are actually quite valuable (or sometimes not!). Imagine learning that a famous designer of the late 1800’s made your great-grandmother’s favorite lamp or a rare piece of pottery you purchased on vacation is actually a sought-after piece. Fortunately, you don’t have to appear on Antiques Roadshow to learn the value of your own pieces or how to protect and possibly increase their value. There are other ways that are more easily accessible.

The Red Couch Marie Mason“The Red Couch”
Acrylic on canvas
Marie Mason

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Many people spend their lives collecting items that not only bring them personal enjoyment, but may significantly increase in value over time. Whether it’s fine artwork, collectibles (baseball cards), memorabilia (original Beatles or Elvis merchandise) or rare objects (antiques), you should consider these items important personal assets. Much like stocks and bonds, they are an important part of a full estate plan. But people don’t always think of them in this way.

By working with trusted professionals, you can ensure that your valuable items will get the attention they need during your lifetime and beyond.

So, what steps should you take to preserve and protect your fine art or collectibles?

  • Identify and protect

    Find a fine art management expert who can help you identify items that should receive additional attention to help preserve, and in some cases, maximize their worth. This person can also provide counsel on valuation (or appraisal), insurance, storage and other very specialized services that may be important in maintaining the object’s value.

  • Organize and document

    Proper documentation and cataloguing is critical. An experienced professional can help record the history and provide a comprehensive inventory of all pieces, an important aspect in maintaining their value. In the same way a museum inventories their collection, an expert can provide the same level of service and system support for your fine objects. Your record can then be updated as pieces are added or removed so the inventory is always complete. A detailed account of each item, including where and how each piece was acquired, can make a significant difference in value, plus, it’s a fun history lesson for you and your heirs.

  • Plan for the unexpected

    It’s important that your estate plans include details of how you want these assets distributed. Will they be gifted to a museum, a family member or a non-profit? Will these objects be liquidated so the funds can be passed on to relatives, loved ones or charitable organizations? Who will you trust to handle the actual distribution? These processes can be complicated and confusing. Your fine art management expert can help address and carry out these plans.

It’s never too early to get started on protecting your valued unique assets. Owners have much to gain by educating themselves about the care and protection of their personal treasures. Establishing a thoughtful, well-planned legacy ensures beloved items will be expertly managed both now and in the future.

 Flaming Tulip Janet Kummerlein“Flaming Tulip”
Acrylic on canvas
Janet Kummerlein

 

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.


Jan Leonard is senior vice president and managing director for charitable trusts, private foundations and fine art services. She joined UMB in 2003 and has more than 25 years of experience in the management of private and public organizations. Leonard earned a bachelor’s degree from Arkansas Tech University and a master’s degree in business administration from Ottawa University in Ottawa, Kan. She is also a graduate of the Cannon School of Foundation Management.



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A note from our CFO

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This year, UMB has celebrated many achievements in reaching our 100-year milestone. One thing we are particularly proud of is our ongoing effort to be transparent in our communication.

You may have read the news articles about two specific things: depositor exiting UMB and our capital raise project. First and foremost, I want to clearly state that these two topics are completely unrelated. Anyone who has ever been through a common stock offering knows it’s not something you can pull off in a couple of days. The timing of the two events was unfortunate, because it created incorrect assumptions. We did not execute a capital raise because of the depositor.

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To comply with securities rules related to our stock offering, we were limited in what we could say about the depositor. However, now that we are on the other side, I would like to take the opportunity to provide more context.

  • Depositor
    A few notes on the depositor. The organization is still a UMB customer. We previously disclosed that the deposits would move over the next 120 days, and as of today, the deposits remain on our balance sheet. Additionally, the customer will continue to work with UMB on their asset servicing business even after the deposits have exited.The decision to move the deposits off of our balance sheet was a result of ongoing dialogue we have had with the customer for the past couple of years. UMB has had a longstanding risk management strategy, and during a review of potential deposit concentrations, we approached the customer to reduce their deposits. They did so, but because of continued growth in the customer’s business, the deposits began increasing again. UMB will continue to monitor our deposit concentrations and will continue to make decisions that are best for our company and our shareholders. We have multiple unique sources of deposits: Institutional Banking and Investment Services (IBIS), Fund Services and Health Savings Accounts (HSAs) just to name a few, so it is important that we are continuously monitoring and adjusting as appropriate.
  • Capital Raise
    Our company has been growing steadily over the past few years and that is evident in our financial results. We have experienced robust balance sheet growth, especially in loans. After we completed our recent forecasts, it was clear that the expectations for growth would continue. We needed to grow our capital to support our balance sheet growth. We plan to use the money raised to support our continued growth and for general corporate purposes.When I tell my kids what I’ve been up to the last couple of months, I essentially tell them that I went to New York and asked strangers and current shareholders to invest in our company. And based on our consistent and stable growth for more than 100 years, they gave us more than $200 million.A simple analogy—but it essentially describes our capital raise campaign. Also important to note, the majority of the investors are new to UMB which validates our current investors, and is a testament to the work our associates have been doing over the last century.

I hope this gives you some color to our recent news. It’s a fantastic time for UMB and I look forward to what the next 100 years will bring!

 

When you click links marked with the “‡” symbol, you will leave UMB’s website and go to websites that are not controlled by or affiliated with UMB. We have provided these links for your convenience. However, we do not endorse or guarantee any products or services you may view on other sites. Other websites may not follow the same privacy policies and security procedures that UMB does, so please review their policies and procedures carefully.


Mr. Hagedorn is president and chief executive officer of UMB Bank and vice chairman of UMB Financial Corporation. Prior to this role, Hagedorn served as chief financial officer and chief administrative officer of UMB Financial Corporation. He joined UMB in March 2005.



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