Personal Banker II

UMB Bank; Gladstone (MO); On-site; USD 44,685 - 65,736; Full time

Benefits offered by this job

401(k) matching

Paid time off

Health benefits

Tuition reimbursement

Wellbeing program

Job summary

UMB Bank in Missouri is seeking a Personal Banker who builds customer relationships, understands client goals, and recommends financial solutions across products. You’ll learn UMB’s sales process through comprehensive training and work closely with branch leaders to deliver exceptional service.

The role includes prospecting and cross‑selling home equity loans, personal loans, auto loans, and mortgage referrals, managing a loan pipeline, handling daily banking tasks, and meeting performance

Qualifications

• HS Diploma or equivalent is required.
• Two years of retail banking sales experience or related experience.
• Ability to obtain NMLS registration within 90 days.
• Strong communication, math, and problem-solving skills.
• Proven ability to build a personal book of business.

Responsibilities

• Asking personalized questions to convert interactions into learning about customers' financial goals and connect them to solutions.
• Create and manage a loan pipeline with strong closing conversions focusing on home equity, personal loans, auto loans, and mortgage referrals.
• Source consumer lending opportunities through networking, conversations, and proactive outreach to grow the customer base.
• Learn processes like transactions, cash handling, and bank documentation per industry standards.
• Meet daily KPIs while delivering excellent customer experience.

Skills

Sales experience

Relationship building

Cross-selling

Customer service

Education

HS Diploma or equivalent

Job description

Personal Bankers at UMB are experts at building customer relationships and recommending and selling products and services. Personal Bankers use their product knowledge and every interaction to identify needs and offer financial solutions to help customers secure their financial well‑being while making banking easy. UMB’s branches offer many opportunities to expand your financial education and 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. 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.

How You Will Spend Your Time

• 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

We’re excited to talk to you if

• You have a HS Diploma or equivalent
• You have two years of retail banking sales experience or other relevant experience
• You have reliable transportation and ability to work branch hours, including weekends and some evenings
• You have the ability to obtain a NMLS registration within 90 days
• You have the ability to learn products, services, and procedures quickly and accurately
• You have basic math skills and ability to problem solve while operating within established risk parameters/tolerances
• You have demonstrated ability to make personal connections, engage and educate customers, ask open‑ended questions, and listen to establish trust and build lasting relationships
• You 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.
• You thrive in a high‑energy, sales‑driven team, and leverage daily coaching and feedback to polish your sales outcomes
• You use your expert product knowledge and conversation skills to build upon your customers' needs and make a true difference in their financial lives
• You communicate in a compelling manner, project a positive image, and enjoy solving problems and creating positive outcomes
• You demonstrate attention to detail whether completing documents or explaining features and benefits
• You enjoy coaching others as a sales mentor

Bonus points if

• You have a college degree or military equivalent strongly preferred
• You are bilingual

Targeted compensation for this opening

$44,685 - $65,736

UMB offers competitive and varied benefits to eligible associates, such as 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. Benefit offerings and eligibility requirements vary.

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.