Personal Banker II

UMB Bank

. Ask personalized questions to understand customers’ financial goals and connect them with suitable solutions .

Posted 9/21/2026full-timeLubbock • Texas • United StatesJuniorMid-Level💰 $44,685 - $65,736 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates strong business development capabilities and expert product knowledge to effectively connect customers with suitable financial solutions. Excels in building lasting relationships through compelling communication and problem-solving skills while managing a loan pipeline and achieving key performance metrics.

Highest-signal resume keywords

Retail Banking Sales ExperienceNMLS RegistrationBusiness DevelopmentCustomer Relationship ManagementProblem-Solving Ability

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Loan Pipeline ManagementCash Drawer ManagementBasic Math SkillsFinancial Product KnowledgeSales Conversion Techniques

Soft Skills

Compelling CommunicationAttention to DetailCoaching and MentoringCustomer EngagementTrust Building

Certifications & Qualifications

NMLS Registration

Industry Keywords

Consumer LendingHome Equity LoansUnsecured Personal LoansAuto LoansMortgage Referrals

About the role

Key responsibilities & impact

Ask personalized questions to understand customers’ financial goals and connect them with suitable solutions
Create and manage a loan pipeline with strong closing conversions
Prospect and cross-sell home equity loans and lines of credit, unsecured personal loans, auto loans, and mortgage referrals
Source consumer lending opportunities through networking, customer conversations, business development, and proactive sourcing
Perform 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 a strong customer experience
Perform other duties as assigned
Coach others as a sales mentor

Requirements

What you’ll need

HS 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 a 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 and build lasting relationships
Strong business development capabilities for proactively growing a personal book of business
Ability to use campaign offers, prospecting leads, service-to-sales conversations, and centers of influence for referrals
Ability to thrive in a high-energy, sales-driven team and leverage coaching and feedback
Expert product knowledge and conversation skills
Compelling communication and positive professional image
Problem-solving ability
Attention to detail when completing documents or explaining features and benefits
College degree or military equivalent strongly preferred
Bilingual ability is a bonus

Benefits

Comp & perks

Paid Time Off
401(k) matching program
Annual incentive pay
Paid holidays
Company sponsored medical, dental, vision, and other insurance coverage
Health savings accounts
Flexible spending accounts
Dependent care accounts
Adoption assistance
Employee assistance program
Fitness reimbursement
Tuition reimbursement
Associate wellbeing program
Associate emergency fund
Various associate banking benefits
Extensive training on UMB’s products and services, the sales process, and offering financial solutions
Mentorship and expertise from UMB leaders