What does a Personal Banker do?

Learn all about Personal Banker duties, skills and much more. Get expert advice on how to become a Personal Banker.

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Brenna Goyette
Certified Professional Resume Writer, Career Expert

Published 3 min read

A personal banker is responsible for providing banking services to individuals. This may include opening and closing accounts, issuing loans, and providing financial advice. The personal banker must be able to maintain confidentiality and build trust with clients.

Personal Banker job duties include:

  • Greet customers and provide them with exceptional customer service
  • Establish and maintain rapport with customers
  • Understand customer needs and refer them to the appropriate banking products and services
  • Process customer transactions accurately and efficiently
  • Balance cash drawer daily and prepare daily reports
  • Cross-sell bank products and services to customers
  • Open new customer accounts and process related paperwork
  • Assist customers with questions or problems regarding their accounts
  • Maintain confidentiality of customer information

Personal Banker Job Requirements

A personal banker typically needs at least a bachelor's degree in finance, accounting, economics, or a related field. Many employers also require personal bankers to be certified by the American Bankers Association or a similar organization. In addition, personal bankers typically need several years of experience working in the banking industry.

Personal Banker Skills

  • Analytical skills
  • Profit and loss analysis
  • Financial analysis
  • Asset management
  • Risk management
  • Loan origination
  • Deposit operations
  • Customer service
  • Product knowledge
  • Compliance
  • Selling skills

Related: Top Personal Banker Skills: Definition and Examples

How to become a Personal Banker

Most personal bankers have at least a bachelor’s degree in finance, accounting, economics, or a related field. Many personal bankers also have a master’s degree in business administration (MBA) or a law degree. Some personal bankers start their careers as tellers or loan officers and then move into management positions.

To become a personal banker, you will need to complete an accredited banking program. There are many different types of banking programs available, so you will need to choose one that best suits your needs and interests. Once you have completed your banking program, you will be able to take the necessary exams to become licensed and registered with the Financial Industry Regulatory Authority (FINRA).

After you have completed your banking program and passed the FINRA exams, you will be ready to start working as a personal banker. You will likely start your career working for a bank or credit union. In this position, you will help customers open new accounts, apply for loans, and manage their finances. You may also be responsible for providing financial advice to customers.

As you gain experience as a personal banker, you may eventually move into a management position. In this role, you will be responsible for supervising other bankers and overseeing the operations of the bank or credit union. You may also be responsible for developing new products and services and marketing them to potential customers.

Related: Personal Banker Resume Example

Related: Personal Banker Interview Questions (With Example Answers)