Personal Banker II

• Ask personalized questions to understand customers’ financial goals and connect them with suitable solutions
• Create and manage a loan pipeline focused on prospecting and cross-selling home equity loans and lines of credit, unsecured personal loans, auto loans, and mortgage referrals
• Create sales opportunities and grow UMB’s customer base through product knowledge, networking, customer conversations, business development, and proactive sourcing
• Process transactions, manage a cash drawer, and complete bank documentation according to industry and legal standards
• Challenge daily key performance metrics while balancing competing priorities and delivering an excellent customer experience
• Perform other duties as assigned

• High school diploma or equivalent
• Two years of retail banking sales experience or other relevant experience
• Reliable transportation
• Ability to work branch hours, including weekends and some evenings
• Ability to obtain 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/tolerances
• Ability to make personal connections, engage and educate customers, ask open-ended questions, and listen to establish trust
• Strong business development capabilities, including campaign offers, prospecting leads, service-to-sales conversations, and leveraging centers of influence for referrals
• Ability to thrive in a high-energy, sales-driven team and use coaching and feedback to improve sales outcomes
• Expert product knowledge and conversation skills
• Compelling communication and positive image
• Problem-solving ability and attention to detail
• Ability to coach others as a sales mentor
• College degree or military equivalent strongly preferred
• Bilingual ability is a bonus

Demonstrates strong business development capabilities, expert product knowledge, and effective communication skills to engage customers and drive sales in a retail banking environment. Ability to process transactions accurately while maintaining compliance with industry standards and delivering exceptional customer experiences.

• Retail Banking Sales Experience
• Business Development
• NMLS Registration
• Customer Engagement
• Problem-Solving

• Loan Pipeline Management
• Transaction Processing
• Cash Drawer Management
• Basic Math Skills
• Product Knowledge

• Compelling Communication
• Attention to Detail
• Coaching and Mentoring
• Customer Relationship Building
• Active Listening

• NMLS Registration

• Home Equity Loans
• Personal Loans
• Auto Loans
• Mortgage Referrals
• Sales-Driven Environment