Personal Banker Job Description: Top Duties and Qualifications

A Personal Banker, or Banker helps customers manage their bank accounts and finances. Their primary duties include helping customers with their bank accounts, selling the bank’s financial products and services and creating long-term business relationships with their clients. 

 

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Personal Banker duties and responsibilities

A Personal Banker is usually the first person clients see when they walk in the door. They create a welcoming environment for clients as they help them with their bank accounts. The duties and responsibilities of Personal Bankers vary depending on where they work, but can include:

  • Managing customer bank accounts, including opening and closing accounts and monitoring financial transactions
  • Fulfilling clients’ requests such as the verification of bank account details and printing statements of accounts
  • Recommending and selling financial products and services to customers
  • Resolving client complaints and queries about accounts and banking services 
  • Processing applications for loan requests and safe deposit boxes
  • Referring clients to financial experts such as Loan Officers or Tax Specialists 
  • Performing routine administrative duties

 

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Personal Banker Job Description Examples:

 

Example 1

Join us as a Customer Service - Senior Personal Banker in In this role you’ll be integral in guiding and supporting our customers with all their financial needs and goals You’ll proactively manage your own small customer portfolio, helping them realise the full benefits of our service both assisted and digitally, as well as supporting them with more complex financial needs such as home buying and protection With no two days the same, you can expect lots of variety as you help us deliver a banking service that’s beyond what’s expected We’ll support you to achieve the Professional Bankers Certificate and build on your existing skills with a full training and development programme What you’ll do As a Senior Personal Banker in one of our branches, you’ll be in the perfect place to build great relationships and promote the benefits of alternative services to simplify and enhance customers banking experience. Our customers will look to you to support them in their decisions as to how they bank with us. You'll act as a trusted expert, proactively providing them with the knowledge they need to make the most of their money and making sure they're fully informed when it comes to the products and services we offer. Day to day, you’ll be: Completing account opening processes, providing the customer with a seamless and positive experience Conducting financial health checks and reviewing customer accounts Identifying products and services that are right for our customers, helping them to make the most of their money and savings Identify opportunities to help customers with more complex needs such as mortgages, private banking, business banking and protection Completing outbound care calls to customers to grow and maintain the relationship The skills you'll need We’re looking for someone who shares our passion for delivering excellent customer service in every interaction and who is motivated and driven to develop their career and meet branch & personal goals. As a trusted Adviser you’ll strive to improve standards for our customers, looking for ways to make their lives easier and take the stress out of banking. We’ll also be looking for you to demonstrate: Experience of working in a customer service environment with the ability to thrive under pressure and achieve customer satisfaction The ability to build rapport and trust with customers in a face to face environment and provide them with the right options for their circumstances Excellent communication and interpersonal skills with a genuine interest building relationships Excellent planning and organisational skills What else you need to know We’re here for our customers whatever the time of day or night, so you’ll need to be flexible in working a rotating shift pattern. You also need to be prepared to move between local branches as required. Hours Full time hours Permanent Branch hours Monday - Sunday 08:00 - 20:00 You’ll typically be working during the branches opening hours, including weekends, and your actual working hours will be discussed at your interview You'll enjoy a comprehensive structured training programme, and on-going coaching and support to enhance your development and open up progression opportunities. When you're ready and have mastered your current role, we’ll help take your career to the next level. How we'll reward you Salary: Your salary will start from £20,610 per year (pro rata for hours worked) You’ll join on a competitive minimum salary of £20,610 (which is £11.32 per hour) and in addition you’ll receive money to help you save for retirement. You can choose from a range of protection, healthcare or lifestyle benefits from RBSelect, our fully flexible reward programme. You will have a generous holiday entitlement of 33 days. (pro rata for hours worked) – you may be required to work bank holidays. Visit our reward and benefits page for more information on the benefit packages we offer. If you need any adjustments to support your application, such as information in alternative formats or special requirements to access our buildings, or if you’re eligible under the Disability Confident Scheme please contact us and we’ll do everything we can to help.

Example 2

Working Hours: 35 hours (Monday - Friday and 1 in 2 Saturdays) We are the bank for people with purpose. The only bank born from the co-operative movement 145 years ago. We believe in the power of 'we' and putting values and ethics first. We are looking for talented individuals who want to make their next career move in a bank that celebrates co-operative spirit. We put the customer at the heart of everything we do and wholly embrace advocates who truly connect and endorse our brand. And did we mention we are award winning? Year on year award winners for our products, our customer service and our commitment to communities. What's not to love! At The Co-operative Bank we truly believe our customers come first. We understand the responsibility we have, to deliver a service that meets the individual needs of each of our customers. Our Personal Bankers understand that banking in a branch is all about the customer experience …what our customers see, hear and feel and not simply a transaction. That’s why Moneyfacts have awarded the Co-operative Bank ‘Branch Network of the Year’ for the second year running!! *So as a Personal Banker what part would you play in this?* * You will demonstrate a high level of meeting customer needs through excellent service & also demonstrate a proven track record of this in previous roles. * You will work to processes within a banking environment and strive to do thing right thing for our customers every time. * Your knowledge and enthusiasm, of both our customers and financial products, will enable you to build long lasting and effective relationships and consistently create a positive customer experience * Managing a personal portfolio of customers, you’ll pro-actively manage their financial needs, identifying opportunities to add value. From being their first point of contact to assisting them through life events, to acting upon feedback received from them. * You’ll be structured, accurate and organized, whether this is when following necessary processes to complete customer transactions or managing your own self-generated appointments * Yourself and the rest of the branch team, will together, be the face of the Bank. You’ll participate and contribute in daily huddles and work together to ensure your actions and environment represents the right image *This is a great opportunity to shine and demonstrate your…*
  • high levels of energy, resilience and self-motivation
  • exceptional customer relationship and service skills
  • proven problem solving and analytical skills
  • experience of working in face to face customer service environment
  • detailed knowledge of financial products and banking processes *What you can expect from us: *
  • 27 days holiday at start, rising to 30 days
  • Competitive pension / income protection / life assurance
  • 2 paid days for volunteering per year
  • Positive working environment in contemporary offices
  • Strong career path within Financial Services
  • Family friendly policies and supportive working environment
  • Recognition scheme and a culture in which we celebrate success
  • Active network groups, ran by colleagues for colleagues That’s what we can offer you – a firm belief in doing what’s right in a place where you can feel genuinely proud to work, grow and develop. So, what are you waiting for…. apply now! This role won’t be around for long, so we would advise to get your application to us as soon as possible by applying today. Unfortunately, we can only consider candidates with the right to work in the UK at this time. Our Bank is committed to continuing to create a diverse workforce and an inclusive environment where all colleagues can fulfil their potential. We welcome applications from talented individuals from all backgrounds and lifestyles who can work with us in maintaining a culture of belonging, where people are valued and respected. As a reputable employer regulated by the Financial Conduct Authority, all offers of employment for this role are subject to a series of background checks, including criminal (DBS) and financial checks. Please note we may withdraw this vacancy once sufficient applications have been reached Job Types: Full-time, Permanent Salary: per year Benefits: * Company pension * Referral programme * Sick pay Work remotely: * No
  • Example 3

    Join us as a Customer Service - Personal Banker in Chelmsford You’ll be integral to guiding and supporting our valued branch customers, helping them to achieve their financial goals We’ll look to you to proactively find ways to enhance our customer banking experience We’re committed to your career progression, so you’ll join us as an Associate Personal Banker and we’ll support your development to become a Personal Banker within two years We’ll also help you to achieve a Foundation Certificate in Responsible Banking while working here What you'll do As the first point of contact in our branches, customers will be at the very heart of your role. So you’ll be committed to providing outstanding service in every interaction. You’ll work with high levels of accuracy as you provide each customer with a seamless and positive experience. Day-to-day, you’ll be: Having proactive conversations, understanding the needs of our customers and helping them with their banking needs Completing general banking requests such as payments, balance enquires and transfers Helping customers to understand the different ways they can bank with us and the range of services we can offer Identifying opportunities to help customers with simple financial products, and collaborating with other teams to provide a seamless customer experience The skills you'll need To be successful in this role you’ll need to be motivated and driven to develop your career and have a customer centric approach to your work. Strong communication skills are a must, as you’ll need to highlight the benefits of our products and procedures to our customers in a way that’s easy to understand. You’ll also need: A passion for customer service and strong attention to detail The ability to thrive under pressure and have the determination to continuously improve service for our customers while meeting your personal and branch goals Strong interpersonal skills and the ability to work well as part of a team The commitment to develop new skills and What else you need to know We’re here for our customers whatever the time of day or night, so you’ll need to be flexible in working a rotating shift pattern. You also need to be prepared to move between local branches as required. Hours Full time hours 6 Month fixed term contract Branch hours Monday - Sunday 08:00 - 20:00 You’ll typically be working during the branches opening hours, including weekends, and your actual working hours will be discussed at your interview You'll enjoy a comprehensive structured training programme, and on-going coaching and support to enhance your development and open up progression opportunities. When you're ready and have mastered your current role, we’ll help take your career to the next level. How we'll reward you Salary: Your salary will be starting from £18,225 per year (pro rata for hours worked) You’ll join on a competitive salary of £18,225 (which is £10.01 per hour) and in addition you’ll receive money to help you save for retirement. You can choose from a range of protection, healthcare or lifestyle benefits from RBSelect, our fully flexible reward programme. You'll have a generous holiday entitlement of 33 days. (pro rata for hours worked) – you may be required to work Bank Holidays. Visit our reward and benefits page for more information on the benefit packages we offer. If you need any adjustments to support your application, such as information in alternative formats or special requirements to access our buildings, or if you’re eligible under the Disability Confident Scheme please contact us and we’ll do everything we can to help.

    Example 4

    Join us as a Customer Service - Personal Banker in Perth You’ll be integral to guiding and supporting our valued branch customers, helping them to achieve their financial goals We’ll look to you to proactively find ways to enhance our customer banking experience We’re committed to your career progression, so you’ll join us as an Associate Personal Banker and we’ll support your development to become a Personal Banker within two years We’ll also help you to achieve a Foundation Certificate in Responsible Banking while working here What you'll do As the first point of contact in our branches, customers will be at the very heart of your role. So you’ll be committed to providing outstanding service in every interaction. You’ll work with high levels of accuracy as you provide each customer with a seamless and positive experience. Day-to-day, you’ll be: Having proactive conversations, understanding the needs of our customers and helping them with their banking needs Completing general banking requests such as payments, balance enquires and transfers Helping customers to understand the different ways they can bank with us and the range of services we can offer Identifying opportunities to help customers with simple financial products, and collaborating with other teams to provide a seamless customer experience The skills you'll need To be successful in this role you’ll need to be motivated and driven to develop your career and have a customer centric approach to your work. Strong communication skills are a must, as you’ll need to highlight the benefits of our products and procedures to our customers in a way that’s easy to understand. You’ll also need: A passion for customer service and strong attention to detail The ability to thrive under pressure and have the determination to continuously improve service for our customers while meeting your personal and branch goals Strong interpersonal skills and the ability to work well as part of a team The commitment to develop new skills and What else you need to know We’re here for our customers whatever the time of day or night, so you’ll need to be flexible in working a rotating shift pattern. You also need to be prepared to move between local branches as required. Hours Part time – 17.5 hours per week Permanent Branch hours Monday - Sunday 08:00 - 20:00 You’ll typically be working during the branches opening hours, including weekends, and your actual working hours will be discussed at your interview You'll enjoy a comprehensive structured training programme, and on-going coaching and support to enhance your development and open up progression opportunities. When you're ready and have mastered your current role, we’ll help take your career to the next level. How we'll reward you Salary: Your salary will be starting from £17,730 per year (pro rata for hours worked) You’ll join on a competitive salary of £17,730 (which is £9.74 per hour) and in addition you’ll receive money to help you save for retirement. You can choose from a range of protection, healthcare or lifestyle benefits from RBSelect, our fully flexible reward programme. You'll have a generous holiday entitlement of 33 days. (pro rata for hours worked) – you may be required to work Bank Holidays. Visit our reward and benefits page for more information on the benefit packages we offer. If you need any adjustments to support your application, such as information in alternative formats or special requirements to access our buildings, or if you’re eligible under the Disability Confident Scheme please contact us and we’ll do everything we can to help.

    What does a Personal Banker do?

    A Personal Banker works in retail banking branches and helps customers with a variety of financial or baking needs. This may include obtaining auto loans and mortgages, opening savings and checking accounts and investing in banking products such as money markets, certificates of deposit (CDs) and other commercial baking products. They may also assist clients with university planning and retirement planning. Although an Investment Banker works mostly with institutional investors, a Personal Banker works primarily with everyday people. 

     

    Personal Banker skills and qualifications 

    A successful Personal Banker candidate will have various prerequisite skills and qualifications to perform their duties effectively. These typically include:

    • In-depth understanding of personal banking rules and regulations 
    • Excellent customer service and sales skills 
    • Expert knowledge of banking and financial products and services
    • Working knowledge of banking software and other industry-specific tools
    • Excellent verbal and written communication skills
    • Negotiation skills
    • Ability to remain calm in stressful situations
    • Strong administration skills 

     

    Personal Banker experience requirements

    Most employers require Personal Bankers to have several years of experience in the banking or finance industry. The role also requires customer service and sales experience, since Personal Bankers have to resolve client issues and recommend or sell banking products and services. For entry-level Personal Bankers, most employers require a minimum of two years of work experience. Senior-level Personal Banker roles may require up to five years of experience. 

     

    Personal Banker education and training requirements

    Personal Banker candidates can be employed with a foundation degree in business, finance, economics or a related field. Many employers accept candidates with industry-recognised certifications, such as a Level 2 or 3 Diploma in Customer Service. Some banks and financial institutions recruit Personal Bankers via a Financial Services Adviser intermediate apprenticeship. For entry-level Personal Banker roles, employers may consider candidates with GCSEs, including English and maths, provided that they pass aptitude tests. Candidates with no experience are required to complete in-house training on cash handling and the use of banking software. Senior-level Personal Banker roles may require an MBA or advanced accounting certifications. 

     

    Personal Banker salary expectations

    According to Indeed Salaries, the average salary for Personal Bankers is £14,935 per year. Actual pay may depend on the employer, location, qualifications, experience and specific job duties and responsibilities.

     

    Job description samples for related positions

    If a Personal Banker is not quite what you’re looking for, here are other job description samples that may fit your needs:

     

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    Personal Banker job description FAQs

     

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

    While Tellers take walk-ins for simple financial transactions such as deposits, withdrawals, money orders, Personal Bankers handle more complex and ongoing tasks, such as maintaining long-term accounts and loans. This means that they usually interact with people who may sometimes be confused, angry, rushed excited or nervous. Whatever the situation may be—and it can change immediately depending on who needs help next—good Personal Bankers always know how to make every customers feel more confident and comfortable.

     

    How can you make your Personal Banker job description stand out?

    To create a Personal Banker job description that stands out, try to target candidates who are keen on building a career in their local community. The description can describe how your bank or financial institution contributes to the local economy and helps customers get the best out of their finances. Also, indicate the day-to-day duties of the Personal Banker and describe how the candidate will help your organisation achieve its objectives. Make sure to mention the skills, experience and training a candidate needs to qualify for the role. 

     

    What makes a good Personal Banker job description?

    A good Personal Banker job description is clearly written, error-free and includes only the details applicants need to apply. It also uses bullet points to highlight important information, such as the skills, duties and responsibilities of the ideal candidates. It includes the location of your company to attract candidates in the area and a deadline for applications to create a sense of urgency. 

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