Company: Umpqua Bank
Location: Valley Springs
Posted on: May 31, 2021
As a Relationship Banker, you will help clients achieve
financial well-being through deep customer relationships and a
thoughtful understanding of their needs, to offer the best and most
appropriate personal and business financial products and services.
You will also provide sales and service support to the Retail Store
team and serve as the primary new account and loan originator for
- Build, develop and deepen customer relationships through active
market profiling, and needs-based questioning to identify deposit,
credit, and investment solutions to help customers achieve their
financial goals. Solutions include, services and current
technologies the Bank offers that are available for customer
convenience. Educate customers on alternative channels that provide
value, and then refer to appropriate lines of business.
- Establish preset appointments, deliver quality Financial
Wellness Review conversations, identify needs, make recommendations
and follow up.
- Assist the customer with their financial growth through savvy
advice and educating the customer on alternative channels that
provide value and refer to appropriate lines of business. Develop
strong partnerships with Operations Leaders, Financial Advisors,
Mortgage Advisors, Small Business colleagues and other line of
business partners focusing on client acquisition and deepening the
relationship of current clients; effectively manage those
- Originate simple to complex consumer lending inside the
- Originate limited Small Business loans as well as provides cash
management solutions, such as Treasury Management and Merchant
Services, payroll and ACH.
- Recognize a small business with potential and make a quality
referrals to the proper team.
- Cross-sell other bank services and refer customers to other
departments as appropriate.
- Demonstrate compliance with all bank regulations that apply to
your position, and keep up to date on regulation changes.
- Maintain working knowledge of our policies and procedures
regarding the Bank Secrecy Act, Regulation CC, Regulation E, Bank
Security and other regulations that apply to your position.
- High school diploma or GED required.
- 3-5 years of banking and/or demonstrated sales experience.
- 1 year of experience in developing current and new customer
relationships, achieving sales goals and building referral sources
in banking or retail environment with customer service and cash
- 1 year experience in a lending function with loan origination
and processing functions, or equivalent training. This position
requires National Mortgage Licensing System (NMLS) registration
under the terms of the S.A.F.E. Act of 2008 and Reg Z.
- Foundational knowledge of sales and service techniques with
consumers and small businesses, including tele-consulting, outside
calling, prospecting and networking. Basic understanding of
personal finances and concept of budgeting.
- Must have access to reliable transportation to facilitate
travel outside of the branches, including outside sales calls.
Registered Mortgage Loan Originator (MLO)
This position requires you to act as a Bank MLO, which is
defined as an individual authorized by the Bank to take mortgage
loan applications, offer a mortgage, arrange a mortgage, assist a
consumer in obtaining or applying to obtain a mortgage, negotiates
a mortgage, otherwise obtain or make a mortgage for another person,
represent to the public (through advertising or other means of
communication) that such person can or will perform any of these
activities, or, refer a consumer to a loan originator (Note: Except
those employees of the Bank who do not discuss particular credit
terms available and do not refer the consumer, based on the
employee's assessment of the consumer's financial characteristics
to a particular Bank MLO), for compensation or gain. All MLO's will
be required to register as a MLO complying with the S.A.F.E. Act
- This position is NOT authorized to act as a Bank Closed-End MLO
which is defined as any position designated to perform the
activities of a Bank MLO for closed-end transactions, and thus
subject to specific Truth-in-Lending Act and Regulation Z Loan
Physical Requirements and Working Conditions
- occasional walking
- lifting up to 10 pounds
- Frequent local travel.
No relocation offered.
We do things a little differently here at Umpqua. Our retail
stores serve as community hubs, our associates are given up to 40
hours of volunteer time each year, and we're never satisfied with
the status quo. It's no wonder we've made "Fortune's 100 Best
Companies to Work For" eight years in a row. But greatness has no
finish line, so we continue every day to keep people at the center
of everything we do. We focus on building relationships,
understanding our customers' needs and connecting to people in new
and innovative ways -- always staying true to our mission of
providing personalized banking for all people, whenever and however
they prefer to bank.
Umpqua Bank is committed to employing a diverse workforce.
Qualified applicants will receive consideration without regard to
race, color, religion, sex, national origin, age, sexual
orientation, gender identity, gender expression, protected veteran
status, or disability. We maintain a drug-free workplace and may
perform pre-employment substance abuse testing.
Keywords: Umpqua Bank, Stockton , Relationship Banker, Other , Valley Springs, California
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