Personal Banker Job Description: Top Duties and Qualifications

Last updated: August 22, 2022

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
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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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