How to hire a bank officer

How to hire a bank officer, step by step

Here's a step-by-step bank officer hiring guide:

• Step 1: Identify your hiring needs
• Step 2: Create an ideal candidate profile
• Step 3: Make a budget
• Step 4: Write a bank officer job description
• Step 5: Post your job
• Step 6: Interview candidates
• Step 7: Send a job offer and onboard your new bank officer
• Step 8: Go through the hiring process checklist

What does a bank officer do?

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1. Identify your hiring needs

   First, determine the employments status of the bank officer you need to hire. Certain bank officer roles might require a full-time employee, whereas others can be done by part-time workers or contractors.

   Determine employee vs contractor status

   Is the person you're thinking of hiring a US citizen or green card holder?

   Yes

   No

   A bank officer's background is also an important factor in determining whether they'll be a good fit for the position. For example, bank officers from different industries or fields will have radically different experiences and will bring different viewpoints to the role. You also need to consider the candidate's previous level of experience to make sure they'll be comfortable with the job's level of seniority.

   The following list breaks down different types of bank officers and their corresponding salaries.

   Type of Bank Officer	Description	Hourly rate
   Bank Officer	Loan officers evaluate, authorize, or recommend approval of loan applications for people and businesses.	$27-52
   Personal Lines Underwriter	A personal lines underwriter works at insurance companies to ensure that clients are eligible to receive insurance services. Their responsibilities include gathering and analyzing insurance applications, verifying client information, studying financial histories and occupational risks, and conducting interviews... Show more	$20-53
   Commercial Underwriter	A commercial underwriter is responsible for processing commercial loan applications, evaluating payment agreements and terms of service, validating customers' information, and requesting additional documents as needed. Commercial underwriters analyze the credit qualifications of an applicant, including financial history, account statements, and outstanding loan applications, if any... Show more	$19-40

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Customer Service
   • Real Estate
   • Business Development
   • Bank Products
   • Client Relationships
   • Financial Statements
   • Loan Portfolio
   • Loan Applications
   • Bank Policies
   • Financial Services
   • Commercial Banking
   • Commercial Loans
   • Treasury
   • AML

   Check all skills

   Responsibilities:

   • Manage financial resources from budget, treasury, expenditure commitments, accounting and finance, report from different departments to donors/stakeholders.
   • Lead major initiatives in 3concurrent roles successfully manage affluent personal and business portfolio to proactively cross-sell additional products and services.
   • Debug CPII on-line systems and ATM interface to correct customer information.
   • Review account and monitoring information; ensure compliance with BSA/AML procedures.
   • Contribute to training new staff members on internal KYC policies and procedures.
   • Perform writing of suspicious activity reports (SAR) of accounts when warrant.

   More bank officer duties

3. Make a budget

   Including a salary range in the bank officer job description is a good way to get more applicants. A bank officer salary can be affected by several factors, such as the location of the job, the level of experience, education, certifications, and the employer's prestige.

   For example, the average salary for a bank officer in Florida may be lower than in Maine, and an entry-level engineer typically earns less than a senior-level bank officer. Additionally, a bank officer with lots of experience in the field may command a higher salary as a result.

   Average bank officer salary

   $79,562yearly

   $38.25 hourly rate

   ---

   Entry-level bank officer salary

   $57,000 yearly salary

   Updated January 23, 2026

   Average bank officer salary by state

   Rank	State	Avg. salary	Hourly rate
   1	Maine	$96,050	$46
   2	Washington	$93,807	$45
   3	New Jersey	$90,458	$43
   4	Hawaii	$88,814	$43
   5	New York	$87,056	$42
   6	Minnesota	$84,965	$41
   7	Massachusetts	$81,568	$39
   8	Texas	$81,348	$39
   9	Montana	$80,511	$39
   10	North Carolina	$80,099	$39
   11	Colorado	$78,481	$38
   12	Kentucky	$73,987	$36
   13	Ohio	$73,623	$35
   14	Illinois	$72,618	$35
   15	California	$70,341	$34
   16	Wisconsin	$69,236	$33
   17	Georgia	$69,213	$33
   18	Iowa	$68,194	$33
   19	Louisiana	$66,444	$32
   20	Arizona	$65,563	$32

   Average bank officer salary by company

   Company

   Rank	Company	Average salary	Hourly rate	Job openings
   1	Federal Reserve Bank	$88,216	$42.41	6
   2	State Street	$88,168	$42.39	65
   3	IBC Bank	$82,296	$39.57
   4	City National Bank	$80,068	$38.49	170
   5	First Hawaiian Bank	$79,823	$38.38	15
   6	Busey	$77,593	$37.30	2
   7	HSBC Bank	$76,787	$36.92	22
   8	Enterprise Bank	$76,756	$36.90	9
   9	WaFd Bank	$76,339	$36.70
   10	Industrial and Commercial Bank of China	$75,643	$36.37	5
   11	Randstad North America, Inc.	$75,021	$36.07	5
   12	MRI The Boston Group	$73,857	$35.51
   13	Allied Universal	$73,712	$35.44
   14	MUFG EMEA	$73,245	$35.21
   15	Central Pacific Bank	$73,116	$35.15	19
   16	Cathay Bank	$72,801	$35.00	34
   17	Frost Bank	$72,790	$35.00	18
   18	Carter Bank & Trust	$71,939	$34.59	8
   19	FHLBank Chicago	$71,363	$34.31
   20	CNB Bank	$71,274	$34.27	13

4. Writing a bank officer job description

   A bank officer job description should include a summary of the role, required skills, and a list of responsibilities. It's also good to include a salary range and the first name of the hiring manager. To help get you started, here's an example of a bank officer job description:

   Bank officer job description example

   As a Commercial Bank Treasury Management Officer, you will focus primarily on generating new business from prospective Commercial & Industrial (C&I) clients while growing existing revenue from the market. You will work closely with an established team of bankers to ensure proper alignment of strategies and credit capacity for all Treasury Services products. In this role you will maintain and develop trusted relationships with your client sector. As a Sales Leader you will develop partnerships with Bankers, Client Service, Product Leadership (Core Cash, Card and Commerce Solutions) and Implementation teams, and will develop and execute a localized to market and product strategy while leading and managing key client pursuits and relationships.
   
   This is a business development officer role with heavy emphasis on developing new treasury management and depository relationships for an assigned territory. Job responsibilities include:
   
   Grow revenue as directed by senior management by successfully prospecting for new deposit and payment product and treasury management business and retaining and expanding existing customer relationships.
   Manage the non-credit risk for customer portfolio Monitor and enhance profitability of all assigned relationships Source prospects and develop new customer relationships Work independently and in partnership with market bankers to develop new profitable business from prospective clients; develop and execute strategic account plans Engage clients at senior and strategic levels to provide integrated treasury solutions within a consultative and client driven framework Understand the competitions' capabilities and gaps, and how to position JPMorgan Chase Treasury Services against them Manage proposal writing and the entire sales process Develop and enhance in-depth client knowledge and share it with the client coverage team for both new business development and management of client risk Create strategic dialogues around key client-centric issues, incorporating best practices, benchmarking, opportunity quantification and solution positioning Partner with internal product stakeholders when representing the client perspective in the development/evolution of products and solutions Deliver thought leadership to the market, prospects and clients on the working capital solutions at client roundtables, industry conferences, webinars, articles, etc. Execute against a clear set of engagement principles that ensure consulting resources are mapped against the largest revenue opportunities within Treasury Services Deliver Results - individually and as a team
   Qualifications
   6+ years of experience successfully prospecting for new deposit and payment product and treasury management business and relationship management Excellent relationship management and business development/sales skills Considerable knowledge of depository products and treasury management services Knowledge and understanding of Treasury Services and deposit products, credit and risk process, overdraft management discipline, and pricing philosophy Success developing new business, with focus on prospecting Excellent/strong selling and negotiation skills Excellent/strong verbal and written communication skills B.A./B.S in Accounting/Finance preferred or equivalent professional experience Demonstrated success managing a virtual team where success is achieved through influence vs. direct reporting relationship Strong time management, organizational and planning skills Strategic thinking skills
   
   JPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
   
   We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.
   
   The health and safety of our colleagues, candidates, clients and communities has been a top priority in light of the COVID-19 pandemic. JPMorgan Chase was awarded the "WELL Health-Safety Rating" for all of our 6,200 locations globally based on our operational policies, maintenance protocols, stakeholder engagement and emergency plans to address a post-COVID-19 environment.
   
   As a part of our commitment to health and safety, we have implemented various COVID-related health and safety requirements for our workforce. Employees are expected to follow the Firm's current COVID-19 or other infectious disease health and safety requirements, including local requirements. Requirements include sharing information including your vaccine card in the firm's vaccine record tool, and may include mask wearing. Requirements may change in the future with the evolving public health landscape. JPMorgan Chase will consider accommodation requests as required by applicable law.
   
   Equal Opportunity Employer/Disability/Veterans

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5. Post your job

   There are a few common ways to find bank officers for your business:

   • Promoting internally or recruiting from your existing workforce.
   • Ask for referrals from friends, family members, and current employees.
   • Attend job fairs at local colleges to meet candidates with the right educational background.
   • Use social media platforms like LinkedIn, Facebook, and Twitter to recruit passive job-seekers.

   Post your job online:

   • Post your bank officer job on Zippia to find and recruit bank officer candidates who meet your exact specifications.
   • Use field-specific websites.
   • Post a job on free websites.

6. Interview candidates

   Your first interview with bank officer candidates should focus on their interest in the role and background experience. As the hiring process goes on, you can learn more about how they'd fit into the company culture in later rounds of interviews.

   It's also good to ask about candidates' unique skills and talents. You can move on to the technical interview if a candidate is good enough for the next step.

   The right interview questions can help you assess a candidate's hard skills, behavioral intelligence, and soft skills.

7. Send a job offer and onboard your new bank officer

   Once you've selected the best bank officer candidate for the job, it's time to write an offer letter. In addition to salary, this letter should include details about the benefits and perks you offer the candidate. Ensuring that your offer is competitive is essential, as qualified candidates may be considering other job opportunities. The candidate may wish to negotiate the terms of the offer, and you should be open to discussion. After you reach an agreement, the final step is formalizing the agreement with a contract.

   It's also important to follow up with applicants who do not get the job with an email letting them know that the position is filled.

   Once that's done, you can draft an onboarding schedule for the new bank officer. Human Resources should complete Employee Action Forms and ensure that onboarding paperwork is completed, including I-9s, benefits enrollment, federal and state tax forms, etc. They should also ensure that new employee files are created for internal recordkeeping.

8. Go through the hiring process checklist

   • Determine employee type (full-time, part-time, contractor, etc.)
   • Submit a job requisition form to the HR department
   • Define job responsibilities and requirements
   • Establish budget and timeline
   • Determine hiring decision makers for the role
   • Write job description
   • Post job on job boards, company website, etc.
   • Promote the job internally
   • Process applications through applicant tracking system
   • Review resumes and cover letters
   • Shortlist candidates for screening
   • Hold phone/virtual interview screening with first round of candidates
   • Conduct in-person interviews with top candidates from first round
   • Score candidates based on weighted criteria (e.g., experience, education, background, cultural fit, skill set, etc.)
   • Conduct background checks on top candidates
   • Check references of top candidates
   • Consult with HR and hiring decision makers on job offer specifics
   • Extend offer to top candidate(s)
   • Receive formal job offer acceptance and signed employment contract
   • Inform other candidates that the position has been filled
   • Set and communicate onboarding schedule to new hire(s)
   • Complete new hire paperwork (i9, benefits enrollment, tax forms, etc.)

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