UMB Financial – “No Delivery”

Pros

Patience is rewarded, strong financial perfomance among commercial banks.

Cons

Sub-market compensation,no incentive or bonus structure to non-sales employees, a culture in transition from toxic to productive lacking meaningful buy-in from key senior management, exhausting bureaucracy, strong executive management lacking strong number two's and three's to fill the empty promise.

Advice to Senior Management

Market compensation will retain key associates.