Personal Banker II

UMB Bank•Denton, TX

13d

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 while making banking easy. The role emphasizes relationship banking and delivering an exceptional customer experience. UMB provides extensive training on its products and services, the 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 consumer lending opportunities, builds and manages a loan pipeline, and works toward personal performance goals while providing banking services in accordance with industry and legal standards. The position requires branch-hours availability, including 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 within established risk parameters and tolerances.
Ability to make personal connections, engage and educate customers, ask open-ended questions, and listen to establish trust and lasting relationships.
Business development skills to grow a personal book of business using campaign offers, lead prospecting, service-to-sales conversations, and referrals from centers of influence.
Ability to thrive in a high-energy, sales-driven team and use daily coaching and feedback to improve sales outcomes.
Product knowledge and conversation skills to understand customer needs and make appropriate recommendations.
Compelling communication, a positive image, problem-solving ability, and focus on positive outcomes.
Attention to detail when completing documents and explaining features and benefits.
Enjoyment of coaching others as a sales mentor.

Nice To Haves

College degree or military equivalent strongly preferred.
Bilingual ability.

Responsibilities

Ask personalized questions to understand customers’ financial goals and connect them with appropriate 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.
Generate sales opportunities and grow UMB’s customer base by sourcing consumer lending opportunities through networking, customer conversations, business development, and proactive sourcing.
Learn and perform transactions, cash-drawer management, and bank documentation in accordance with industry and legal standards.
Work toward and challenge daily key performance metrics while balancing competing priorities and providing an exceptional customer experience.
Perform other duties as assigned.