Personal bankers work closely with their customers to determine how the bank can best meet their needs. They seek to provide great customer service to retain current customers and to attract new ones. Personal bankers open and maintain accounts for customers, meeting with them to determine which product or range of products is best suited to them and ensuring that they understand all the conditions and features.
Some banks require their personal bankers to hold certain licenses and/or certifications. Most are required to have at least a high school diploma--college degrees are usually necessary--and most positions require some previous banking experience. Personal bankers have strong interpersonal and communication skills, a thorough knowledge of the bank's various products and services, and know when to refer a client to other bank personnel, such as a mortgage lender or tax adviser. Personal bankers also are usually trained in cash handling and are familiar with the industry's computer programs, systems and protocols. Other duties may include playing a supervisory role in the office, opening and closing the branch, balancing the ATM and/or cash drawers, managing various financial transactions and answering telephones. Most personal bankers have 40-hour work weeks on a Monday through Friday schedule, although some work on Saturdays as well.
Personal Banker Tasks
- Collects customer information for new loans and begins review process.
- Sells financial products and services to potential and current customers.
- Provides customer service, explaining bank services and assisting with new accounts, loans, bonds, and securities.
- Enters new and updated customer account information into computer system.
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