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Personal Banker

Personal bankers provide a personalised service, providing customers with support for all their banking and financial service needs, including complex lending and financial requirements.

Tasks & duties

Personal bankers may do some or all of the following:

provide personalised service
answer customers' enquiries
promote and sell bank products and services to customers
provide customers with information on savings plans, loans, mortgages and investments
analyse customers' finances
assess loan applications
approve or get approval for loans
prepare legal documents
arrange bank services for customers
ensure forms are filled in correctly
open and close customers' accounts
regularly contact customers to see if the bank can provide them with additional services
help customers manage their accounts or debt
arrange services such as travellers' cheques and insurance
assess new business potential and acquire new business for the bank

Skills & knowledge

Personal bankers need to have:

knowledge of banking methods and procedures, and products and services offered by the bank
familiarity with property buying procedures, lending processes, interest rates and the banking market
knowledge of the bank's computer software and office procedures
excellent communication and interviewing skills
sales and service skills
the ability to assess risk and assess customers' needs
the ability to build and maintain relationships with customers
problem-solving skills
decision-making skills
time management skills and organisational ability
mathematical ability

Entry requirements

There are no specific entry requirements to become a personal banker; however, a certificate, diploma or degree in banking or finance is preferred.

Secondary education

You must have NCEA credits in English and maths.

Training on the job

Skills are gained on the job. Most banks send new staff on an initial training course and then provide them with ongoing training in areas such as banking, customer service and computer skills.