Personal Banker II
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 easy. UMB branches provide opportunities to expand financial education and grow a career in Consumer banking. The role emphasizes relationship banking and delivering an exceptional customer experience. The Personal Banker receives extensive training on UMB products and services, the sales process, and offering financial solutions, and works closely with UMB leaders through mentorship. The role focuses on understanding customers’ financial goals, originating and managing consumer lending opportunities, completing branch banking processes in accordance with industry and legal standards, and achieving performance metrics while balancing competing priorities.
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 solve problems while operating 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 capabilities, including growing a personal book of business through campaign offers, prospecting leads, service-to-sales conversations, and referrals from centers of influence.
- Ability to thrive in a high-energy, sales-driven team and use coaching and feedback to improve sales outcomes.
- Product knowledge and conversation skills to understand customer needs and recommend suitable solutions.
- Compelling communication, a positive image, problem-solving ability, and focus on positive outcomes.
- Attention to detail when completing documents and explaining product features and benefits.
- Enjoyment of coaching others as a sales mentor.
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 a personal loan pipeline, 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, 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 providing an exceptional customer experience.
- Perform other duties as assigned.
Benefits
- Paid time off
- 401(k) matching program
- Annual incentive pay
- Paid holidays
- Company-sponsored medical, dental, vision, and other insurance coverage
- Health savings, flexible spending, and 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
