Personal Banker II

UMB Financial Corporation; Belleville (IL); On-site; USD 51,000 - 75,000; Full time

Benefits offered by this job

Paid Time Off

401(k) matching

Annual incentive pay

Paid holidays

Medical, dental, vision insurance

HSAs/FSAs

Adoption assistance

Employee assistance program

Fitness reimbursement

Tuition reimbursement

Wellbeing program

Emergency fund

Banking benefits

Job summary

UMB Financial Corporation in the United States seeks a Personal Banker III to strengthen customer relationships, recommend products, and support branch leadership. You will engage clients, manage a loan pipeline, and drive cross-sell opportunities with a focus on home equity, personal, auto loans, and mortgage referrals.

You will collaborate with regional managers and the Personal Banking team, delivering the unparalleled customer experience while coaching teammates and maintaining strong risk

Qualifications

• HS Diploma or equivalent.
• At least three years of retail banking sales experience and proven ability to achieve sales targets.
• Ability to work branch hours, including weekends and some evenings.
• NMLS registration within 90 days.
• Passionate about leading and developing others.
• Enjoy coaching others as a sales mentor.
• Strong communication with customers and teammates; problem-solving.
• Ability to learn products, services, and procedures quickly.
• Basic math skills and risk awareness.
• Proven business development capabilities to grow a personal book of business.

Responsibilities

• Support the Branch Manager by communicating priorities with the team.
• In the absence of the Branch Manager, oversee the branch staff.
• Help achieve performance targets through daily huddles and checkpoints.
• Deliver unparalleled customer experience by managing customer interactions and scheduling.
• Ensure branch operates safely by following policies and procedures.
• Assist in maintaining audit ratings and managing operational risk.
• Act as interim Branch Manager when needed.
• Other duties as assigned.

Skills

Sales targets

Coaching

Customer service

Relationship building

Communication

Time management

Education

HS Diploma or equivalent

Job description

Personal Banker III

The Personal Banker III at UMB plays a unique and pivotal role as both an expert in strengthening customer relationships, recommending products and services. Encouraging branch achievements and supporting team members to ensure progress to essential activities and behaviors, stepping in to support the Branch Manager, and building deep relationships with your Regional Delivery Manager, specialists, and Personal Banking team. UMB branches offer many opportunities to expand your financial education & grow your career within Consumer banking and UMB. We believe questions nurture conversations, leading the way to meaningful financial recommendations for our customers. Relationship banking is not a one-size-fits-all approach; we differentiate ourselves by delivering the unparalleled customer experience. Just as you’ll play an important role in achieving UMB’s business objectives, we’re committed to helping you achieve your own goals. As a Personal Banker, you’ll receive extensive training on UMB’s products and services, the sales process, and offering financial solutions. You can also expect to work closely with UMB leaders, learning from their mentorship and expertise.

Key Responsibilities

• Supporting the Branch Manager (BM) by consistently and clearly communicating and reinforcing priorities with the team.
• In the absence of the branch manager, you will oversee the entire branch staff.
• Encouraging branch achievement of performance targets by managing assisting with daily huddles and intra-day checkpoints with team members to ensure progress to essential activities and behaviors.
• Delivering the Unparalleled Customer Experience by closely managing the choreography of customer interactions within the branch and refining team scheduling for business continuity, client experience and support of key business development initiatives.
• Ensuring the branch is always operating in a safe and sound manner by following applicable policies, procedures, and guidelines.
• Assisting the Branch Manager in maintaining satisfactory audit ratings, managing critical operational metrics to minimize risks and losses, maintaining high standards for security and account opening activities and resolution of customer escalations.
• Acting as the interim Branch Manager during times the Branch Manager is offsite, supporting the Personal Banking Team and daily functions of the Branch.
• Other duties as assigned.

Customer Interaction & Sales

• Asking personalized questions to convert every customer interaction into an opportunity to learn more about their financial goals and connect them to solutions that will meet their needs
• Individually creating and managing a successful loan pipeline with strong closing conversions by focusing time and efforts on prospecting and cross-selling home equity loans and lines of credit, unsecured personal loans, auto loans and mortgage referrals
• Creating sales opportunities and growing UMB's customer base by applying keen product knowledge to source consumer lending opportunities through networking, customer conversations, business development, and proactive sourcing
• Learning processes like transactions, managing a cash drawer and completing bank documentation that you consistently perform according to industry and legal standards.
• Challenging your daily key performance metrics to elevate personal goals, while balancing competing priorities and providing the unparalleled customer experience
• Other duties as assigned.

Qualifications

• Have a HS Diploma or equivalent
• Have at least three years of retail banking sales experience or other relevant experience, including a proven ability to achieve sales targets
• Have the ability to work branch hours, including weekends and some evenings
• Can obtain an NMLS registration within 90 days
• Are passionate about leading and developing others
• Enjoy coaching others as a sales mentor
• Thrive in a high-energy, sales-driven team, and leverage daily coaching and feedback to polish your sales outcomes
• Use your expert product knowledge and conversation skills to build upon your customers' needs and make a true difference in their financial lives
• Communicate in a compelling manner, project a positive image, and enjoy solving problems and creating positive outcomes
• Demonstrate attention to detail whether completing documents or explaining features and benefits
• Have the ability to learn products, services, and procedures quickly and accurately
• Have basic math skills and ability to problem solve while operating within established risk parameters/tolerances
• Demonstrate ability to make personal connections, engage and educate customers and teammates, ask open-ended questions, and listen to establish trust and build lasting relationships
• Have strong business development capabilities for proactively growing your own personal book of business by successfully using campaign offers, prospecting leads, service-to-sales conversations as well as leveraging centers of influence for referrals.

Bonus Points

• Have a college degree or military equivalent strongly preferred
• Are bilingual

Compensation & Benefits

Compensation Range: $51,291 - $75,460

The posted compensation range on this listing represents UMB’s good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors.

Please see the description of benefits included with this job posting for additional information.

• Paid Time Off
• a 401(k) matching program
• annual incentive pay
• paid holidays
• a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage
• health savings, flexible spending, and dependent care accounts
• adoption assistance
• an employee assistance program
• fitness reimbursement
• tuition reimbursement
• an associate wellbeing program
• an associate emergency fund
• and various associate banking benefits

Company Culture & Values

Are you ready to be part of something more? You're more than a means to an end - a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.

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 send an e-mail to [e-mail] to let us know the nature of your request.

If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.

Who we are

We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed.

Learn more about UMB's vision Check out the road to a career at UMB