Umpqua Bank Store Lead Associate - Portland/Clackamas in Clackamas, Oregon
In this role, you will be responsible for building, maintaining, and deepening relationships with consumer and business customers by providing exceptional customer service and recommending appropriate customer solutions through use of the ACE model. This includes, but is not limited to, processing transactions, placing customers in appropriate account and loan products, cross-selling other bank services and referring customers to other departments as appropriate. This role supports the Store Manager with day-to-day operations and associate activities.
Act as a role model to other store associates. Accept and accurately process a variety of financial transactions for customers, including typical consumer and business transactions, such as, cashing checks and processing checking and savings account withdrawals and balancing duties, etc., while seeking opportunities to develop customer relationships and identify sales opportunities.
Listen to the customer's financial needs and cross-sell other bank services and refer customers to other departments as appropriate, to support the customer's financial growth.
Utilize basic sales techniques to deepen existing customer/prospect relationships, such as, new accounts and products that properly fit the need of the consumer or business customer.
Work on assignments that are extremely complex and specialized in nature where independent action and a high degree of initiative are required in resolving problems and developing recommendations (i.e., small business lending). May help determine methods and procedures on new assignments.
Accept and accurately process all financial transactions.
Maintain responsibility for cash drawer and follow proper balancing procedures.
Open and process all types of deposit and loan accounts including complex retail products such as consumer loans, VISA merchant accounts and small business loans providing solutions with cash management and Retail Business Solutions.
Expected to proactively be involved in the growth activity of the store.
Review and maintain knowledge of products, fees and policies to stay current on offerings for product suggestion on all lines of consumer and small business banking.
Facilitate the review and assessment of the operational/audit requirements of the store. Provide input and support to any remediation or adjustments that will improve operational quality.
May supervise other associates on day-to-day activities, and act in the Store Manager capacity when required.
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.
Requires a high school diploma, vocational training, or equivalent, and customer service skills.
5+ years of banking and/or demonstrated sales experience.
Demonstrated consumer and small business lending skills.
Effective training and mentoring skills.
Knowledge of bank operating procedures, practices and policies.
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 requirements.
- 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 Originator requirements.
Physical Requirements and Working Conditions
lifting up to 10 pounds
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.