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 provide financial solutions that support customers’ financial well-being and make banking easy. The role focuses on relationship banking and delivering a strong 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 mentors. The Personal Banker develops consumer lending opportunities and manages a personal loan pipeline, while also completing transactions, managing a cash drawer, and preparing bank documentation in accordance with industry and legal standards. The position requires balancing sales goals and competing priorities while providing a positive customer experience.
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.
- Demonstrated ability to connect with, engage, and educate customers; ask open-ended questions; and listen to establish trust and build 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.
- Strong product knowledge and conversation skills to identify customer needs and support their financial goals.
- Compelling communication skills, a positive image, and ability to solve problems and create positive outcomes.
- Attention to detail when completing documents and explaining product features and benefits.
- Enjoy 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 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 complete transactions, manage a cash drawer, and complete bank documentation consistently in accordance with industry and legal standards.
- Work toward daily key performance metrics and personal goals 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
- 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
