Personal Banker II

UMB Bank • Lubbock, TX

10d • $44,685 - $65,736 • Onsite

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 part of UMB’s Consumer banking organization, where employees can expand their financial education and career opportunities. UMB provides extensive training on its products and services, the sales process, and offering financial solutions, as well as opportunities to learn from UMB leaders through mentorship.

The Personal Banker II focuses on relationship banking, consumer lending, business development, sales performance, and customer experience. The position involves prospecting and cross-selling loan products, managing a personal loan pipeline, carrying out banking transactions and documentation, and balancing performance goals with customer needs and risk 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 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 build 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 daily coaching and feedback to improve sales outcomes.
• Strong product knowledge and conversation skills to understand customer needs and recommend 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.

Nice To Haves

• College degree or military equivalent is 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 prospecting.
• Perform banking transactions, manage a cash drawer, and complete bank documentation in accordance with industry and legal standards.
• Work toward and challenge daily key performance metrics while balancing competing priorities and providing a strong customer experience.
• Carry out other duties as assigned.
• 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, flexible spending, and dependent care accounts.
• Adoption assistance.
• Employee assistance program.
• Fitness reimbursement.
• Tuition reimbursement.
• Associate wellbeing program.
• Associate emergency fund.
• Associate banking benefits.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED