Personal bankers work in retail banking branches and assist customers with various banking or financial needs. Such needs may include opening checking and savings accounts, obtaining mortgage loans, and investing in banking products such as certificates of deposit (CDs) and money market accounts. 

In this guide we will breakdown the the roles and requirements of a personal banker and to see if getting one is a good idea for you.

Personal Banker and Customer Relations

A large part of a personal banker’s day entails customer interaction. By listening to his customers and asking questions, he can assess their needs, identify solutions and react accordingly. His skill in handling new accounts and addressing safe deposit access, debit card difficulties and check issues affects a customer’s perception of the bank. When he’s not meeting customers directly, he phones them to follow up on the services they’ve received, announce new opportunities that may be of interest and cement his relationship with them.

Opening Accounts

Key Takeaways on Personal Bankers

Personal bankers serve as both the face and the sales arm of a retail financial institution. Small or large, credit unions and banks rely on personal bankers to build and solidify their relationship with people who have accounts and loans with them. Here are some key takeaways on personal bankers:

• Personal bankers work in retail banking branches and assist customers with various needs.
• Being a good personal banker is less about educational credentials, and more about community reputation, networking ability, and affability.
• Day-to-day duties of personal bankers include helping bank customers open new checking and savings accounts and facilitating other ordinary banking transactions.

Author’s Verdict

A personal banker manages both new customers and existing customers, helping guide them through their bank’s products. If you are someone who does not know much about banking services then it might be a good idea to talk to your bank’s personal banker.