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. The role is based in UMB’s relationship-banking approach, with an emphasis on delivering a strong customer experience. UMB provides training on its products and services, its sales process, and financial solutions, as well as opportunities to learn from leaders and develop a career in Consumer Banking. The Personal Banker II develops and manages a personal loan pipeline, sources consumer lending opportunities, and works toward sales and customer-service goals. The role also involves learning and performing banking transactions, managing a cash drawer, and completing bank documentation in accordance with industry and legal standards.
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 build personal connections, engage and educate customers, ask open-ended questions, listen, establish trust, and develop lasting relationships.
- Business development capabilities, including proactively growing a personal book of business through campaign offers, prospecting leads, service-to-sales conversations, and referrals.
- Ability to thrive in a high-energy, sales-driven team and use daily coaching and feedback to improve sales outcomes.
- Strong product knowledge and conversation skills to understand customer needs and make relevant recommendations.
- Compelling communication, a positive image, and enjoyment of solving problems and creating 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 appropriate solutions.
- Create and manage a 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 outreach.
- Learn and perform banking 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 competing priorities and delivering a strong customer experience.
- Perform other duties as assigned.
- Grow a personal book of business through campaign offers, prospecting leads, service-to-sales conversations, and referrals from centers of influence.
- Use product knowledge and conversation skills to identify customer needs and provide financial solutions.
- Coach others as a sales mentor.
Benefits
- Paid time off
- 401(k) matching program
- Annual incentive pay
- Paid holidays
- Company-sponsored 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
