Blog   2015

New Leadership in Oklahoma

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Oklahoma UMB News

Oklahoma is one of the regions where we focus because it has potential for strong, continued growth. We have a couple of exciting leadership changes to announce that reflect our strong commitment to developing top associates and to continue our development and growth of the Oklahoma region.
David Hardy UMBDavid Hardy is now the CEO of the Oklahoma region, and Matt Badsky has been promoted to market president of Tulsa.

In his previous role as executive vice president, Tulsa market leader, David made great strides in developing the Tulsa market, so this change keeps him focused on building those relationships while also overseeing Oklahoma City and leading the commercial sales teams in those cities. He is dedicated to our customers and will bring additional growth to this region, I’m sure.

Matt’s move to Tulsa to become the market president comes after his role as the chief credit administrative officer of the Kansas region in Wichita. His extensive lending expertise and commercial business development skills, as well as his dedication to UMB and our customers, will have a remarkable impact on the Tulsa region.
Matt Badsky UMB

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Mr. Trout joined UMB in 1988. As Regional CEO for Kansas and Oklahoma, he is responsible for the profitability, leadership development and commercial banking oversight of his regions. Mr. Trout has over 25 years of experience in the financial industry. He earned his MBA from Avila University, and his Executive Leadership Certificate from Washington University.



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How to use a home equity line of credit

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Finding the treasure within your home
home improvement

We’ve walked you through the steps to buying a new home. Before you finished unpacking, we’re guessing you already started a list of improvements and additions to give your new home a personal touch.

Reports like this one show that you’re not alone. Today, home improvement is becoming a growing trend for many American homeowners. Much of this growth is attributed to a rebound in the housing market and the highest consumer confidence scores since 2008.

So should you tackle a home improvement project?

Whether it’s updating your bathroom or adding more space to accommodate a growing family, improving your home can be a fun experience and a strategic method of increasing its fair market value. Research has shown that adding a deck and turning your attic into a bedroom raise the most value, returning approximately 85 percent of your original investment.

If you are considering making a home improvement, using a home equity line of credit (HELOC) to borrow against the equity in your home may be a good solution for financing the project. With today’s low interest rates and steady rise in home prices, you may have greater opportunity to borrow against your equity.

Some advantages:

  • You can make purchases with a HELOC debit card. Using the card is an easy and efficient way for you to pay for needed items.
  • The flexibility factor – the home equity line is something you can access as many times as you need to, as long as the credit is available. But remember to be disciplined with your spending. If you would like to use the equity in your home for a purchase, the wisest thing to do is use it for investments that help retain or add value to your home.

Give yourself an additional level of comfort by seeking counsel from your banker or financial advisor. This person is experienced in carefully reviewing all the home equity options to ensure you have the appropriate financial resources to complete your project in the most strategic way possible.

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Ms. Michelle Nischbach joined UMB in 2010. As Territory Sales Director in the consumer bank, she is responsible for overseeing operational and advisory excellence within five primary operating markets: St. Louis, Greater Missouri, Oklahoma, Nebraska and Arizona. Ms. Nischbach has 26 years of experience in the financial industry and earned her MBA from Lindenwood University.



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UMB Insights: Bank Outlook

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Our CEO of UMB Bank gives an inside look into some of our strategies and how we’ve been successful through a variety of economic environments.

 

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Mr. Hagedorn is president and chief executive officer of UMB Bank and vice chairman of UMB Financial Corporation. Prior to this role, Hagedorn served as chief financial officer and chief administrative officer of UMB Financial Corporation. He joined UMB in March 2005.



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