Personal Banker III

About the role

The Personal Banker III at UMB plays a unique and pivotal role as both an expert in strengthening customer relationships and recommending products and services. You will encourage branch achievements, support team members, step in to support the Branch Manager, and build deep relationships with your Regional Delivery Manager, specialists, and the Personal Banking team. UMB branches offer opportunities to expand your financial education and grow your career within Consumer Banking. We believe questions nurture conversations, leading to meaningful financial recommendations for our customers. Relationship banking is not one-size-fits-all; we differentiate ourselves by delivering an 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’ll work closely with UMB leaders, learning from their mentorship and expertise.

Responsibilities

• Support the Branch Manager by consistently communicating and reinforcing priorities with the team. In the absence of the Branch Manager, oversee the entire branch staff.
• Encourage branch achievement of performance targets by managing daily huddles and intra-day checkpoints with team members to ensure progress on essential activities and behaviors.
• Deliver the Unparalleled Customer Experience by 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.
• Ensure the branch operates in a safe and sound manner by following applicable policies, procedures, and guidelines. Assist the Branch Manager in maintaining satisfactory audit ratings, managing critical operational metrics, minimizing risks and losses, maintaining high standards for security and account opening activities, and resolving customer escalations.
• Act as the interim Branch Manager during the Branch Manager’s absence, supporting the Personal Banking Team and daily branch functions.
• Ask personalized questions to convert every customer interaction into an opportunity to learn about their financial goals and connect them to solutions.
• Create and manage a successful loan pipeline with strong closing conversions by focusing on prospecting and cross-selling home equity loans and lines of credit, unsecured personal loans, auto loans, and mortgage referrals.
• Grow UMB’s customer base by applying product knowledge to source consumer lending opportunities through networking, customer conversations, business development, and proactive sourcing.
• Perform processes like transactions, manage a cash drawer, and complete bank documentation according to industry and legal standards.
• Challenge daily key performance metrics to elevate personal goals while balancing competing priorities and providing an unparalleled customer experience.
• Other duties as assigned.

Requirements

• High School Diploma or equivalent.
• At least three years of retail banking sales experience or other relevant experience, including a proven ability to achieve sales targets.
• Ability to work branch hours, including weekends and some evenings.
• Obtain an NMLS registration within 90 days.
• Passion for 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 improve sales outcomes.
• Use expert product knowledge and conversation skills to build upon customers' needs and make a difference in their financial lives.
• Communicate in a compelling manner, project a positive image, and enjoy solving problems to create positive outcomes.
• Demonstrate attention to detail, whether completing documents or explaining features and benefits.
• Ability to learn products, services, and procedures quickly and accurately.
• Basic math skills and ability to problem-solve while operating within established risk parameters.
• Ability to make personal connections, engage and educate customers and teammates, ask open-ended questions, and listen to establish trust and build lasting relationships.
• Strong business development capabilities for proactively growing your own personal book of business by using campaign offers, prospecting leads, service-to-sales conversations, and leveraging centers of influence for referrals.

Bonus points if you have a college degree or military equivalent, or are bilingual.

Pay

Compensation Range: $51,291 - $75,460. The posted compensation range 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.

Benefits

• Paid Time Off.
• 401(k) matching program.
• Annual incentive pay.
• Paid holidays.
• Comprehensive company-sponsored benefit plan including 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.
• Various associate banking benefits.

Benefit offerings and eligibility requirements vary.