Jobs › UMB Bank

Personal Banker I

UMB Bank · Galena, IL · $38,916–$57,244 a year · Full time

Posted Oct 5, 2026 · We last checked this listing on Oct 6, 2026

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Likely interview questions for this role

Written from this job description, not a generic list. Each one notes what the interviewer is really checking.

About your past

Tell me about a time you identified a customer need they hadn't mentioned.

What they are checking: Listening skill and curiosity, which drive relationship banking.

Tell me about a sales goal you missed. What did you learn?

What they are checking: Honesty about setbacks and how they adjust their approach.

How do you build relationships with customers in a smaller community like Galena or Plymouth?

What they are checking: Understanding that local reputation and referrals matter in smaller-market branches.

What would you do

UMB says questions lead to meaningful recommendations. Walk me through how you'd start a conversation with a customer who just came in to deposit a check.

What they are checking: Turning routine visits into needs-based conversations without feeling pushy.

A customer wants a product that you don't think fits their situation. What do you do?

What they are checking: Putting the customer's financial well-being first, even if it costs a sale.

A customer is upset about an overdraft fee and wants to close their account. How do you handle it?

What they are checking: Calming a customer, explaining clearly and looking for a fair resolution to keep the relationship.

What would you do if you suspected a customer was being targeted by a scam?

What they are checking: Awareness of fraud and elder exploitation and knowing to slow down and escalate.

About the work

You're expected to build and manage your own loan pipeline. How do you keep track of where each loan is and follow up?

What they are checking: Organization and follow-through to convert loan conversations into closed loans.

How would you explain the difference between a home equity line of credit and a personal loan to a customer?

What they are checking: Product knowledge and the ability to explain it in plain language.

How do you stay on top of compliance requirements while still keeping conversations natural?

What they are checking: Balancing required disclosures and procedures with a good customer experience.

Practice this interview out loud.

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The full job description

As published by UMB Bank.

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 & 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. How you will spend your time: • Asking personalized questions to convert transactions, account maintenance and other routine service requests into cross-sell conversations that deepen client relationships while meeting the customers needs • Personally creating sales opportunities by calling leads, visiting businesses to offer workplace banking, and developing referral networks • Achieving your daily key performance metrics while balancing competing priorities • Learning processes like transactions, managing a cash drawer and completing bank documentation that you consistently perform according to industry and legal standards • Other job duties as assigned We’re excited to talk to you if: • 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 have a HS Diploma or equivalent • You have one year of experience in a retail environment engaging with customers and making product recommendations that lead to sales or relevant experience • You have reliable transportation and ability to work branch hours, including weekends and some evenings • You have the ability to obtain NMLS registration within 90 days This position was posted on 10/05/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

 Compensation Range: $38,916 - $57,244 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. 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. 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 talentacquisition@umb.com 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. #LI-BW2

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