What does a Personal Banker do?
Personal bankers are the first person a customer will encounter when they step inside of a bank. They are responsible for creating a welcoming environment for a bank's new and regular customers as they help them with their banking needs and activities.
Personal bankers assist with account-related requests including deposits, withdrawals, transfers, or applications for debit and credit cards. They refer customers to a financial expert if needed and advise and sell customers on the bank's financial goods and services that go beyond simple accounts and cards. They assist in the resolution of any issues a customer may have with their banking services and guide them with services including a mortgage, loan, savings and retirement options. Personal bankers open and close accounts as requested, and they monitor customer accounts to ensure information is up-to-date. Personal bankers learn more about a customer's needs and help them find proper solutions within their bank. Personal bankers need a minimum high school diploma or equivalency including a GED and specific on-the-job training as provided by their employer.
- Ensure compliance with internal controls, operational procedures, and risk management policies.
- Provide support for both the personal banker and teller position.
- Promote and cross-sell products and services based on member needs.
- Engage with customers, prospects, and referral sources through proactive outreach.
- Attain sales and referral goals on a monthly and annual basis.
- Educate customers on options for managing financial transactions by leveraging technology, tools, and resources.
- Assist customers with account opening and maintenance and all teller line transactions.
- Create and expand relationships in your community through outbound calling efforts to customers.
- Act with confidence by answering customer questions and owning customer issues.
- While operating within the bank's risk appetite, achieve results by consistently identifying, assessing, managing, monitoring, and reporting risks of all type.
- Focus on growing deposits, loans and fee income in a profitable manner.
- Open personal, business, and loan accounts including additional products and services.
- Manage, service, and grow an assigned book of commercial banking clients.
- Maintain a position of trust and responsibility by keeping all business confidential.
- Process and disburse checks, money orders, and account transfers.
- Educate and provide clients with other banking services. Resolve client concerns and issues efficiently and effectively.
- Participate in the management of a loan portfolio.
- Bachelor's or Graduate's Degree in business, business administration, or finance or equivalent experience.
- Comfortable with conducting client interaction in a professional manner.
- Fluency with product knowledge to help assist clients.
- Strong critical thinking and negotiation skills.
- Can problem solve with confidence and provide technical assistance when necessary.
- Willing to strengthen client relationships and assist with decision making.
- Pays strict attention to detail when answering client questions or addressing concerns as well as in onboarding processes.
- Strong leadership skills.
Personal Banker Career Path
Learn how to become a Personal Banker, what skills and education you need to succeed, and what level of pay to expect at each step on your career path.
Years of Experience Distribution
Personal Banker Insights
“The job it’s self is nice and working with the people is such an amazing learning experience.”
“I was able to perfect many skills in my role and the benefits are pretty great.”
“this wasn't the schedule I wanted and it didn't provide a good work/life balance for me.”
“Wells Fargo has the best training program than any company I've ever worked for.”
“Did not find any other than I love to work with people and give great service and I did enjoy that.”
“Good pay and good whatever you want”
“Good pay and great pro”
“training experience was good to the last month then my branch got to busy to train me on the important stuff.”
Personal Banker Interviews
Frequently asked questions about the role and responsibilities of a Personal Banker
When working as a Personal Banker, the most common skills you will need to perform your job and for career success are Relationship-building, Ability to Multitask, dodd-frank, Banking Experience and Confidence.
- Relationship Banker
- Premier Banker
- Private Banker
The most common qualifications to become a Personal Banker is a minimum of a Bachelor's Degree and an average of 0 - 1 of experience not including years spent in education and/or training.