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Financial Services Representative Job Description: Top Duties and Qualifications

Edited by Indeed Employer Content Team
Last updated November 6, 2025
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Indeed’s Employer Resource Library helps businesses grow and manage their workforce. With over 15,000 articles in 6 languages, we offer tactical advice, how-tos and best practices to help businesses hire and retain great employees.

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4 min read

A 319241603finance4.54banking2.27bank teller1.65bank1.49state farm1.1923892032629114000.0072024.77183000.00YEARLY415317892025-11-012025-11-302025-10-012025-10-312025-12-05Financial Services Representative, or FSR, sells banking and investment products to customers. They uncover clients’ financial goals, recommend products that match their needs and provide customer service when questions or issues arise.

319241603finance4.54banking2.27bank teller1.65bank1.49state farm1.1923892032629114000.0072024.77183000.00YEARLY415317892025-11-012025-11-302025-10-012025-10-312025-12-05Financial Services Representative duties and responsibilities

The overall key responsibility of a 319241603finance4.54banking2.27bank teller1.65bank1.49state farm1.1923892032629114000.0072024.77183000.00YEARLY415317892025-11-012025-11-302025-10-012025-10-312025-12-05Financial Services Representative is to ensure that clients of a financial institution have the right products and services for their needs. Specific Financial Services Representative job duties may include:

  • Asking questions to gain an understanding of the client’s current financial situation and short- and long-term financial goals

  • Suggesting checking and savings accounts, loans, certificates of deposit, credit cards and other products and services that fit clients’ needs

  • Explaining the features and benefits of recommended products

  • Gathering client information and completing paperwork to open new accounts

  • Handling inquiries about account balances, payments due and other concerns

  • Researching errors and issues with accounts

  • Performing account maintenance tasks such as adding names or closing accounts

  • Striving to meet goals for opening new accounts and loans

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Financial Services Representative Job Description Examples

Example 1

Financial Services Representative

Department:Branch/Retail

Reports To:Retail Branch Manager FLSA Status:Non-Exempt

Position Description:

Seeking a Financial Services Representative. Previous experience as a Teller and with lending are preferred. Provides quality banking service to meet customer needs. Job Duties: Answers customer questions and resolves issues and problems. Handles customer transactions, posts transactions, pays out funds, and verifies cash. Identifies customer need for other Banking service through consultative banking. Identifies counterfeit currency. Cross-sells bank products and services.
Maintains appropriate currency logs. Must perform work under minimal supervision. Handles complex issues and problems and refers only the most complex issues to higher-level staff. Possesses comprehensive knowledge of subject matter.

Competencies:

  • Individual has the ability to identify needs of customer and has a strong desire to satisfy those needs.
  • Individual demonstrates the ability to develop repeat clients or retain relationships.
  • Individual has an understanding of retail branch services and the importance of keeping current with new developments and procedures.
  • Individual has the ability to thrive in an individual capacity while participating effectively in a team environment.
  • Proficient in computer software packages including Word, Excel and Outlook and learns new software programs quickly.

Principal Accountabilities:

  • Work location is on the teller line, or at the drive-up window
  • Respond to customer inquires
  • Respond to customer needs with consultative banking approach
  • Interact with new customers (and professionals) to facilitate the opening and funding of accounts
  • May input/receive consumer loan applications, that must then be forwarded to a Universal

Banker or Retail Branch Manager for final processing7

  • Reports to: Retail Branch Manager

Desired Qualifications

  • High school diploma
  • 1-2 years experience

Physical Requirements:

  • Ability to work full time, 40+ hours a week.
  • Ability to work overtime when there are business needs
  • Standing frequently, 66% or more per day
  • Sitting occasionally, 33%-65% per day
  • Speaking frequently, 66% or more per day
  • Listening frequently, 66% or more per day
  • Climbing rarely, less than 33% per day
  • Stooping, squatting, rarely, less than 33% per day
  • Lifting up to 25lbs, occasionally, 33%-65% per day
  • Manual dexterity, and fine hand manipulation, frequently, 66% of more per day
  • Overhead work, rarely, less than 33% per day

If you need reasonable accommodation to do the essential job functions, please provide details on the accommodation you would like to request.

The above noted job description is not intended to describe, in detail, the multitude of tasks that may be assigned but rather to give the employee a general sense of the responsibilities and expectations of his/her position. As the nature of business demands change so, too, may the essential functions of this position.

Job Type: Full-time

Pay: From $15.00 per hour

Benefits:
  • 401(k)
  • 401(k) matching
  • Dental insurance
  • Employee assistance program
  • Flexible spending account
  • Health insurance
  • Health savings account
  • Life insurance
  • Paid time off
  • Tuition reimbursement
  • Vision insurance
Experience level:
  • 1 year
Physical setting:
  • Office
Schedule:
  • 8 hour shift
  • Monday to Friday
  • Weekends as needed

COVID-19 considerations:
All customers and employees are encouraged to wear a mask. Deep cleaning occurs daily. Cleaning supplies, hand sanitizer and masks are readily available for use.



Ability to commute/relocate:
  • St. Anthony, ID 83445: Reliably commute or planning to relocate before starting work (Required)

Education:
  • High school or equivalent (Required)

Experience:
  • Cash handling: 1 year (Preferred)
  • Banking: 1 year (Preferred)
  • Customer service: 1 year Location: In person

Example 2

MedVanta is the nation's largest physician-owned and operated next generation management services organization (MSO). Our services are specifically designed for musculoskeletal (MSK) providers and go beyond that of a traditional MSO, empowering our clients with the precise infrastructure, data, technology, and administrative processes needed to thrive both today and tomorrow.

Your Impact

As a Patient Financial Services Representative, there is no lack of purpose. Our team are the people patients turn to for help not only with daily billing needs, but also during confusing and difficult times. Providing clarity, expertise, empathy, thoughtful follow up, and genuinely caring service. Being on a team that lives the bigger picture of MedVanta being the exception to the common negative experiences many have with healthcare.

Apply If

  • You want to be part of an organization with a culture of genuine and unstoppable growth with leaders actively looking to advance you in your career.
  • You would like to work with leaders who say, "that's a good idea, let's try it!"
  • You are one of the few who welcome challenges as an opportunity to show off your excellent communication and performance skills.

Duties include, but are not limited to

The duties and responsibilities of the position are to be carried out in a manner that is consistent with the Mission, Core Values and Operating Principles of MedVanta.

  • Answer incoming patient phone calls and make outbound collection calls on open balances.
  • Update patient insurance, confirming eligibility and queue claims for billing.
  • Update demographic and guarantor information in the Patient Accounting System
  • Handle patient inquiries to address billing questions via inbound calls and patient correspondence.
  • Fulfill patient requests for itemization of charges, adding/verifying/billing insurance, establishing payment plans, process adjustments, request refunds, and explain policy and guidelines.
  • Initiate patient outreach on delinquent payment plans, adding accounts to existing payment plans and high risk/balance accounts.
  • Review, address, and monitor credit balances to ensure compliance with regulatory and contractual obligations.
  • Identify and troubleshoot patient billing issues to ensure resolution.
  • Manage and work queues and worklists in patient billing system.
  • Receive and process patient credit card payments and allocate to appropriate visits on the account.
  • Evaluate accounts for bad debt placement and work with bad debt vendor on patient issues and concerns.
  • Post appropriate discounts and adjustments to patient accounts.
  • Interact with supporting departments; coding, cash-ops, AR follow up to resolve billing and payment issues.
  • Conform with and abide by all regulations, policies, work procedures and instructions.
  • Other duties as assigned.

Requirements & Educational Experience

  • High school diploma
  • Bilingual: Spanish is highly preferred
  • 2+ years' of related experience, with experience in an orthopaedic setting preferred
  • Proficiency with Microsoft Office suite of products as well as electronic billing systems
  • Extensive knowledge of insurance, benefits, medical terminology, and medical billing
  • 1+ years' experience in a call center environment focused in healthcare highly preferred

Competencies/Required Skills & Abilities

  • Strong Interpersonal Skills - Ability to develop relationships and collaborate and influence in a decentralized organization.
  • Demonstrated ability to organize, prioritize, and manage multiple tasks in a dynamic environment with a proven track record of results.
  • Strong interpersonal, oral, and written communication skills with excellent self-discipline and patience.
  • Able to work independently.
  • Exudes professionalism in presentation.
  • Must be able to read, write, speak, understand, and communicate in the English language.

Physical Demands

  • Must be able to sit for long periods of time and lift up to 25 pounds.
  • Must be able to use appropriate body mechanics techniques when performing front desk duties.
  • Requires frequent bending, reaching, repetitive hand movements, standing, walking, squatting and sitting.
  • Adequate hearing to perform duties in person and over telephone.

Job Type: Full-time

Benefits:
  • 401(k)
  • Dental insurance
  • Disability insurance
  • Employee assistance program
  • Flexible schedule
  • Flexible spending account
  • Health insurance
  • Health savings account
  • Life insurance
  • Paid time off
  • Retirement plan
  • Vision insurance
Schedule:
  • 8 hour shift
  • Day shift
  • Monday to Friday



Ability to commute/relocate:
  • Bethesda, MD 20817: Reliably commute or planning to relocate before starting work (Required)

Experience:
  • Call center: 2 years (Preferred)

Language:
  • Spanish Location: In person
Our mission

Indeed’s Employer Resource Library helps businesses grow and manage their workforce. With over 15,000 articles in 6 languages, we offer tactical advice, how-tos and best practices to help businesses hire and retain great employees.

Read our editorial guidelines
Job Description Best Practices
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Get the Guide

What does a 319241603finance4.54banking2.27bank teller1.65bank1.49state farm1.1923892032629114000.0072024.77183000.00YEARLY415317892025-11-012025-11-302025-10-012025-10-312025-12-05Financial Services Representative do?

A Financial Services Representative plays an important role in the success of a financial institution. They typically serve as the frontline sales associate, recommending and opening new deposit and lending accounts for customers. By spotting sales opportunities and effectively selling products and services, Financial Services Representatives contribute to the growth of financial institutions’ total deposits on hand and loan fee and interest revenue. In addition, 319241603finance4.54banking2.27bank teller1.65bank1.49state farm1.1923892032629114000.0072024.77183000.00YEARLY415317892025-11-012025-11-302025-10-012025-10-312025-12-05Financial Services Representative job duties often include customer service tasks that, when executed proficiently, can increase customer satisfaction and aid in customer retention.

Financial Services Representative skills and qualifications

People who are successful in Financial Services Representative careers often have certain skills in common. Seeing the following qualifications on a résumé may indicate a quality candidate for a Financial Services Representative position:

  • Proven ability to identify sales opportunities and manage objections

  • Data entry skills to input customer information accurately

  • Oral communication skills to explain complex financial concepts in an easy-to-understand manner

  • Interview skills to ask probing questions to determine customer needs

  • Multitasking and organizational skills to assist multiple clients with a variety of needs each day

  • Customer service skills to positively interact with customers who may be angry or distressed

  • Thorough understanding of banking products and services

  • Knowledge of banking rules and regulations that govern deposit accounts and consumer loans

319241603finance4.54banking2.27bank teller1.65bank1.49state farm1.1923892032629114000.0072024.77183000.00YEARLY415317892025-11-012025-11-302025-10-012025-10-312025-12-05Financial Services Representative experience requirements

Most financial institutions have a tiered system for Financial Services Representative positions. For entry-level Financial Services Representative I positions, employers typically prefer 1 or more years of customer service and/or sales experience. Financial Services Representative II and III positions often involve training new hires and additional responsibilities. As a result, you may wish to focus on candidates who have 3 or more years of experience in banking or a related field for these roles.

Financial Services Representative education and training requirements

In most cases, a high school diploma or GED is the minimum education required for entry into 319241603finance4.54banking2.27bank teller1.65bank1.49state farm1.1923892032629114000.0072024.77183000.00YEARLY415317892025-11-012025-11-302025-10-012025-10-312025-12-05Financial Services Representative careers. However, you may wish to prioritize candidates who hold an associate or bachelor’s degree in business, finance or a related field. Some Financial Services Representatives sell insurance and investments such as annuities and mutual funds. These individuals must hold a state-issued license. Each state establishes its unique licensing requirements. Generally, those seeking a license must complete a training program and pass a written examination.

Job description samples for similar positions

If this Financial Services Representative job doesn’t fully capture your needs, consider basing the description for your open position on one of the following closely related titles:

Financial Services Representative job description FAQs

How do the job duties of a Financial Services Representative differ by setting?

Some Financial Services Representatives meet with clients face-to-face in offices, while others work in call centers. A representative in a call center may have additional responsibilities, such as updating call logs and transferring phone calls to branch offices and other departments. Those who work in offices may be required to sign off on banking transactions and assist bank staff with tasks such as auditing the vault, teller cash drawers and ATMs.

How is a Financial Services Representative different from a Financial Advisor?

Like Financial Services Representatives, Financial Advisors help clients accomplish their financial goals. However, they typically offer different types of solutions. A Financial Services Representative usually recommends traditional checking, savings and loan products, while a Financial Advisor tends to sell investments, including stocks, bonds and mutual funds. In some cases, Financial Advisors simply provide advice and allow clients to invest on their own. Financial Services Representatives represent a particular financial institution and sell its products and services.

What makes a good Financial Services Representative job description?

A good Financial Services Representative job description clearly describes the working environment so candidates know whether they’re applying for an office or call center position and what hours they can expect to work. The job description should also mention what types of products and services the representative will sell and specify if licensing is required. Mentioning commissions, bonuses, benefits and perks of employment can help your job description stand out to attract quality candidates.

Job Description Best Practices
Optimize your new and existing job descriptions to reach more candidates
Get the Guide

Three individuals are sitting at a table with a laptop, a disposable coffee cup, notebooks, and a phone visible. Two are facing each other, while the third’s back is to the camera. The setting appears to be a bright room with large windows.

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