Personal Banker Job Description: Top Duties and Qualifications

A Personal Banker, or Relationship Banker, is a finance professional responsible for helping fulfill the banking needs of their clients and connect them with account services. Their duties include advertising financial services to clients, opening new accounts based on the client’s financial activities and correcting problems with account transactions.

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Personal Banker duties and responsibilities

Personal Bankers spend most of their days helping customers with various requests and issues. Here are some of their main duties and responsibilities: 

  • Help customers open up checking and savings accounts
  • Assist clients in opening lines of credit
  • Maintain customer accounts and help resolve disputes
  • Refer customers to loan officers or other financial specialists
  • Resolve debit and credit issues
  • Complete basic data-entry and administrative duties
  • Use banking software to help clients make financial decisions

Personal Banker Job Description Examples:

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Personal Banker

Who you [website]

You are a driven, results-oriented professional, with a drive to be the very best. You have an obvious passion, excitement, and optimism to work with our members to create exceptional experiences and provide financial solutions while achieving and contributing to individual and team goals.

At Desert Financial Credit Union, excellence is recognized, appreciated and very well-rewarded! In fact, we believe in sharing success with our members, employees, and the community we serve.

Interested in finding out more? Of course you are! Here’s a taste of how you’ll make your mark with us.

A typical week might include the [website]

Assist members to meet financial needs by recommending credit union products and solutions through various electronic and digital channels, such as phone, email, and chat.

Open and process member accounts such as checking, savings, money market, IRA’s, mutual funds, auto loans, mortgage loans, home equity loans, credit cards, and other related financial services.

Conduct assessments with clients to determine financial needs and make appropriate recommendations.

Provides prompt, efficient, and accurate service in response to client requests, inquiries, or problems by researching and identifying positive solutions.

Verify information for identification and fraud prevention on items presented for deposit or withdrawal.

Perform other job related duties as assigned.

This role might be for you if you [website]

High School Diploma or GED.

1+ year of proven success in a sales environment.

Ability to get results through effective delivery of products and services to members.

Bonus points if you have:

Customer Service or sales experience in customer service in a call center or contact center.

Experience in financial services industry.

It is a requirement of this position that individuals be registered though the National Mortgage Lending System and Registry (Nmls). This can happen post-hire if you are not already registered.

About us:

We are considered leaders in the local credit union space, and we are growing like crazy. We’ve got a culture focused on smarts, kindness, continuous [website] our people love it. A full 93% of our employees would recommend us to their friends. Come find out why! Learn more at [website]

We are proud to be an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Job Type: Full-time

Experience:

  • banking: 1 year (Required)

  • sales: 1 year (Required)

  • customer service: 1 year (Required)

  • retail branch customer service: 1 year (Required)

    Work authorization:

  • United States (Required)

    Application Question:

  • Click on the link to complete PI assessment: [website]

    Work Location:

  • One location

    Benefits:

  • Health insurance

  • Dental insurance

  • Vision insurance

  • Retirement plan

  • Paid time off

  • Flexible schedule

  • Parental leave

  • Professional development assistance

  • Tuition reimbursement

  • Monday to Weekends required
  • ×

    Personal Banker

    Essential Functions:

  • Ensure the branch production goals are met.

  • Promote and service all the deposit products available at the bank and open all types of accounts, including checking, CDs, IRAs, Business Accounts and Safe Deposit Boxes. Execute integrated sales and relationship strategies that are in alignment with the area business plan to achieve desired revenue and service hurdles.

  • Provide Treasury and Lending specialists with qualified referrals for cross-sell.

  • Conduct sales initiatives through adequate procedures.

  • Ensure effective customer retention and growth through ongoing sales and servicing initiatives.

  • Ensure implementation of the Bank’s customer service philosophy in regards total customer satisfaction (knowledge, courtesy, appearance, responsiveness, accuracy and communication).

  • Strictly adhere to internal control policies such as the account opening protocols of accurate collection, completion and updating of all required documentation.

  • Prepare documents and assist customers in the signing of documents to process accounts.

  • Input information to create account data file of new accounts.

  • Perform any maintenance changes on existing customer’s account, such changes of address, title or rate changes.

  • Promote and answer questions regarding the various lending products the bank offers.

  • Resolve customer problems and complaints in accordance with FirstBank Florida excellent service policy.

  • Answer customer questions and assists customers with all needs, such as: Safe Deposit boxes, issuing ATM cards, statements, rates, overdrafts, issue temporary checks, etc.

  • Assist in implementing operational policy, ensuring transactions are processed in compliance with federal, state and bank requirements.

  • Maintain IRS/SEP file maintenance and reports, as the liaison to Bankers Systems.

  • Responsible for working supplies and ordering new accounts starter kits, if necessary.

  • Maintenance of all logs.

  • Make sure corresponding reports are completely on a timely manner.

  • Assist customers on overdraft and delinquent loans.

  • Perform all other related position function.

  • Serve as teller backup as needed.

    Competencies:

  • Customer focus

  • Building strong relations

  • Communication

  • Business acumen

  • Problem analysis & solution

  • Ownership

  • Vision & values

  • Collaboration & teamwork

    Required Education and Experience:

  • Three years banking experience or in a similar job is required or equivalent combination of education and experience

  • Good mathematical and communications skills

  • A formal training in banking products and/or processing new accounts

  • Good understanding of financial products, loan documentation, and business objectives of a real-estate lending department

  • Strong knowledge of Microsoft Office

  • Preferred Education and Experience:

  • One year of related Personal Banker functions/Teller experience and/or two years of cash handling

    Other Duties Disclaimer:

    Please note this position profile is not designed to cover or include a comprehensive listing of activities, duties or responsibilities that are

    required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

    EOE/D/V/M/F/Dfwp

    Job Type: Full-time

    Salary: $14.00 to $18.00 /hour

    Experience:

  • Microsoft Office: 1 year (Preferred)

  • banking: 1 year (Preferred)

  • Communication Skills: 1 year (Preferred)

  • retail branch customer service: 1 year (Preferred)

  • cash handling: 1 year (Preferred)

    Benefits:

  • Health insurance

  • Dental insurance

  • Vision insurance

  • Retirement plan

  • Paid time off

  • Tuition reimbursement

    Company's

  • ×

    Personal Banker

    Third Shift Banking position open 8:00pm - 4:00am

    Busy Banking Center is actively hiring in our Call Center. Our perfect candidate will be:

  • fielding all incoming customer phone calls and various forms of digital communication

  • solving customer issues

  • performing various account maintenance requests

  • onboarding new accounts and providing additional support as necessary

    This role also requires a high level of dedication to providing excellent customer service both over the phone and through various digital channels. This position requires the Call Center Representative to be flexible in order to meet the Company’s scheduling demands of a 24/7/365 call center.

    NOT Seasonal - Permanent Career!

    Interested!!? We have Benefits and PTO.

    Hurry - We cannot wait to meet you.

    Job Type: Full-time

    Salary: $18.00 banking: 1 year sales: 1 year customer service: 1 year retail branch customer service: 1 year cash handling: 1 year (Preferred)

  • What does a Personal Banker do?

    Personal Bankers work at bank offices to complete high-level tasks related to bank accounts. They talk to people who want to open an account, take out a loan, start a new card or update personal details and permissions on their bank account. Personal Bankers are also responsible for helping current banking clients answer questions about their finances, investigating potential cases of fraud and convincing clients to sign up for additional banking services. They record interactions with clients and use financial management systems to make corrections to account balances, enter data and initiate applications for loans and lines of credit.

    Personal Banker skills and qualifications

    Personal Bankers need a mix of hard and soft skills, including:

    • Excellent attention to detail
    • Verbal and written communication
    • Good mathematical and analysis skills
    • Thorough knowledge of banking and financial services
    • Ability to use banking and financial programs
    • Great customer service skills
    • Problem-solving and critical-thinking skills
    • Ability to find upselling opportunities

    Personal Banker salary expectations

    A Personal Banker makes an average of $37,054 per year. Salary may depend on level of experience, education and the geographical location.

    Personal Banker education and training requirements

    Although a degree isn’t required for this position, at least an associate degree is preferred. Candidates with a bachelor’s degree in finance, accounting or business are ideal. At a minimum, candidates need a high school diploma or GED. This education prepares them for a career in banking or financial services. Training is usually provided on the job, where Personal Bankers learn about the specific products and services the bank or credit union offers. 

    Personal Banker experience requirements

    Personal Bankers usually need some experience in banking, finance or accounting. Customer service experience is also strongly preferred since they spend most of their days working directly with customers. Prior experience as a Teller or Customer Service Representative is ideal. Entry-level Personal Bankers should have at least two years of experience, though a degree can also serve as a substitute. Senior-level Personal Bankers should have at least five years of experience. 

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    Frequently asked questions about Personal Bankers

     

    What is the difference between a Personal Banker and a Bank Teller?

    Bank Tellers and Personal Bankers can both help customers access their finances, but they have different levels of responsibility and authority. Bank Tellers greet people when they enter the bank and either help them with a basic transaction or refer them to a Personal Banker, who is equipped to handle more complex account requests.

    Bank Tellers cover small transactions like depositing checks, withdrawing cash and checking account balances. They help troubleshoot basic problems, confirm the identity of the account holder and handle clerical banking tasks. Personal Bankers have more extensive knowledge about banking practices and can assist clients with setting up new account features, making large money transfers and discussing their future financial needs.

     

    What are the daily duties of a Personal Banker?

    Personal Bankers work during the standard business day. They respond to phone messages and emails from clients about their accounts, scheduling meetings and sending out mail as necessary. During the day they attend meetings and accept walk-in clients who want to start an account or who have questions about an account service. They determine the cause of banking fees, change credit limits, add people to existing accounts and discuss loan options relevant to each client’s financial situation. 

    Personal Bankers spend part of their day researching and contacting leads to sign up for financial services at the bank. They interact with fraud and security officers, underwriters and other financial experts to resolve problems with a client’s account or help them obtain the banking services they need.

     

    What are the characteristics of a good Personal Banker?

    Because Personal Bankers regularly interact with clients to sell them services and troubleshoot account issues, they need to have exceptional interpersonal qualities. This includes excellent communication, a positive attitude and the ability to build strong professional relationships by interacting with others. Good Personal Bankers should also have an eye for detail that they use to spot irregularities in a client’s account and prevent errors when making manual updates to their financial database. They’re knowledgeable about banking and enjoy educating others about their financial health and helping them meet their goals through money management tools.

     

    What should you look for on a Personal Banker's resume?

    When hiring a Personal Banker, look for resumes that clearly list the candidate’s financial qualifications. Because they deal with sensitive personal details and heavily regulated financial information, these certifications are essential for hiring trustworthy candidates. Look for candidates with previous customer service experience where they interacted with the public and offered professional expertise. Resumes that feature past jobs related to finance can also indicate a top candidate.

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