Personal Banker II

Overview Personal Bankers at UMB are experts at building customer relationships and recommending and selling products and services. They use product knowledge in every interaction to identify needs and offer financial solutions that help customers secure financial well‑being while keeping banking easy. A Personal Banker receives extensive training on UMB products, the sales process, and how to offer financial solutions. The role focuses on creating a successful loan pipeline and building a strong customer base. Responsibilities Ask personalized questions to convert every customer interaction into an opportunity to learn about financial goals and connect them to appropriate solutions. Create and manage a successful loan pipeline with strong closing conversions by focusing prospecting and cross‑selling home equity loans, lines of credit, unsecured personal loans, auto loans, and mortgage referrals. Develop sales opportunities and grow the UMB customer base using product knowledge to source consumer lending opportunities through networking, conversations, business development, and proactive sourcing. Handle transactions, manage the cash drawer, and complete bank documentation while ensuring compliance with industry and legal standards. Challenge daily key performance metrics to elevate personal goals, balance competing priorities, and provide an unparalleled customer experience. Perform any other duties assigned. Qualifications High school diploma or equivalent. At least 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. Fast and accurate learning of products, services, and procedures. Basic math skills and ability to problem‑solve within established risk parameters. Demonstrated ability to build personal connections, engage and educate customers, ask open‑ended questions, and listen to establish trust. Strong business development capabilities for proactively growing a personal book of business using campaign offers, prospecting leads, service‑to‑sales conversations, and referrals. Thrives in a high‑energy, sales‑driven team and uses daily coaching and feedback to refine sales outcomes. Expert product knowledge and conversation skills that align with customers’ needs. Compelling communication, positive image, and problem‑solving disposition. Attention to detail in completing documents or explaining features and benefits. Enjoys coaching others as a sales mentor. Bonus: college degree or military equivalent strongly preferred. Bonus: bilingual. Benefits Competitive salary within $44,685–$54,615 based on location and experience. 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. Equal Opportunity Employment Statement UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please let us know. #J-18808-Ljbffr