Personal Banker II

UMB Bank•Denton, TX

1d•$44,685 - $65,736

About The Position

Personal Bankers at UMB build customer relationships and recommend and sell products and services. They use product knowledge and customer interactions to identify needs and offer financial solutions that support customers’ financial well-being and make banking easier. The role emphasizes relationship banking and delivering a strong customer experience. UMB provides extensive training on its products, services, sales process, and financial solutions, as well as opportunities to learn from UMB leaders and grow a career in Consumer banking. The Personal Banker II develops and manages a consumer loan pipeline, generates lending opportunities, and grows the customer base through prospecting, networking, business development, and customer conversations. The role also includes performing banking transactions, managing a cash drawer, completing bank documentation, and meeting performance goals while balancing customer needs and competing priorities. Branch hours include weekends and some evenings.

Requirements

High school diploma or equivalent.
Two years of retail banking sales experience or other relevant experience.
Reliable transportation and ability to work branch hours, including weekends and some evenings.
Ability to obtain an NMLS registration within 90 days.
Ability to learn products, services, and procedures quickly and accurately.
Basic math skills and ability to problem-solve while operating within established risk parameters and tolerances.
Ability to build personal connections, engage and educate customers, ask open-ended questions, and listen to establish trust and lasting relationships.
Strong business development capabilities, including proactive growth of a personal book of business using campaign offers, prospecting leads, service-to-sales conversations, and referral sources.
Ability to thrive in a high-energy, sales-driven team and use coaching and feedback to improve sales outcomes.
Strong communication and problem-solving skills, a positive image, and attention to detail when completing documents or explaining product features and benefits.

Nice To Haves

College degree or military equivalent strongly preferred.
Bilingual.

Responsibilities

Ask personalized questions to understand customers’ financial goals and connect them with suitable solutions.
Create and manage an individual loan pipeline, focusing on prospecting and cross-selling home equity loans and lines of credit, unsecured personal loans, auto loans, and mortgage referrals.
Source consumer lending opportunities through networking, customer conversations, business development, and proactive sourcing.
Learn and perform transactions, manage a cash drawer, and complete bank documentation according to industry and legal standards.
Work toward and challenge daily key performance metrics while balancing priorities and delivering a strong customer experience.
Perform other duties as assigned.
Grow a personal book of business by using campaign offers, prospecting leads, service-to-sales conversations, and centers of influence for referrals.
Use product knowledge and conversation skills to identify customer needs and explain product features and benefits.
Coach others as a sales mentor.