Personal Banker II
About The Position
The Personal Banker role supports branch performance and customer relationships by recommending financial products and services, helping the team meet branch objectives, and delivering a personalized customer experience. The role includes supporting the Branch Manager, coaching and encouraging teammates, and overseeing branch staff and daily functions when the Branch Manager is away. UMB provides training on its products, services, sales process, and financial solutions, as well as opportunities to learn from leaders and develop a career in consumer banking. The position also serves customers by identifying their financial goals and connecting them with appropriate solutions. It develops and manages a consumer lending pipeline through prospecting, cross-selling, networking, customer conversations, and referrals. The role performs banking processes such as transactions, cash-drawer management, and bank documentation in accordance with applicable industry and legal standards, while balancing sales goals, customer experience, and risk requirements.
Requirements
- High school diploma or equivalent.
- At least three years of retail banking sales experience or other relevant experience, including a demonstrated ability to achieve sales targets.
- Ability to work branch hours, including weekends and some evenings.
- Ability to obtain an NMLS registration within 90 days.
- Passion for leading and developing others, and enjoyment of coaching as a sales mentor.
- Ability to work in a high-energy, sales-driven team and use coaching and feedback to improve sales outcomes.
- Strong product knowledge and conversation skills to identify customer needs and support their financial goals.
- Compelling communication skills, a positive image, problem-solving ability, and a focus on positive outcomes.
- Attention to detail when completing documents and explaining product features and benefits.
- Ability to learn products, services, and procedures quickly and accurately.
- Basic math skills and ability to solve problems within established risk parameters and tolerances.
- Ability to build personal connections, engage and educate customers and teammates, ask open-ended questions, listen, and establish trust.
- Business development capabilities, including using campaign offers, prospecting leads, service-to-sales conversations, and centers of influence for referrals to grow a personal book of business.
Nice To Haves
- College degree or military equivalent strongly preferred.
- Bilingual.
Responsibilities
- Support the Branch Manager by communicating and reinforcing priorities with the team; oversee branch staff in the Branch Manager’s absence.
- Encourage branch performance by assisting with daily huddles and intraday checkpoints to monitor progress on key activities and behaviors.
- Manage the choreography of customer interactions and refine team scheduling to support business continuity, customer experience, and business development initiatives.
- Follow applicable policies, procedures, and guidelines to help ensure safe and sound branch operations.
- Assist the Branch Manager with audit ratings, operational metrics, risk and loss reduction, security, account-opening standards, and customer escalations.
- Act as interim Branch Manager when the Branch Manager is offsite, supporting the Personal Banking Team and branch functions.
- Ask customers personalized questions to understand financial goals and connect them with appropriate solutions.
- Create and manage a loan pipeline, prospecting and cross-selling home equity loans and lines of credit, unsecured personal loans, auto loans, and mortgage referrals.
- Develop consumer lending opportunities through networking, customer conversations, business development, and proactive sourcing.
- Perform transactions, manage a cash drawer, and complete bank documentation according to industry and legal standards.
- Work toward personal performance metrics while balancing competing priorities and providing a strong customer experience.
- Perform other duties as assigned.
Benefits
- Paid time off
- 401(k) matching program
- Annual incentive pay
- Paid holidays
- Medical, dental, vision, and other insurance coverage
- Health savings accounts
- Flexible spending accounts
- Dependent care accounts
- Adoption assistance
- Employee assistance program
- Fitness reimbursement
- Tuition reimbursement
- Associate wellbeing program
- Associate emergency fund
- Associate banking benefits
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
