How to hire a consumer banker

How to hire a consumer banker, step by step

Here's a step-by-step consumer banker hiring guide:

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

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1. Identify your hiring needs

   The consumer banker hiring process starts by determining what type of worker you actually need. Certain roles might require a full-time employee, whereas part-time workers or contractors can do others.

   Determine employee vs contractor status

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

   Yes

   No

   You should also consider the ideal background you'd like them a consumer banker to have before you start to hire. For example, what industry or field would you like them to have experience in, what level of seniority or education does the job require, and how much it'll cost to hire a consumer banker that fits the bill.

   This list shows salaries for various types of consumer bankers.

   Type of Consumer Banker	Description	Hourly rate
   Consumer Banker	Securities, commodities, and financial services sales agents connect buyers and sellers in financial markets. They sell securities to individuals, advise companies in search of investors, and conduct trades.	$12-26
   Finance Service Advisor	A finance service advisor provides clients with recommendations on taxes, college savings accounts, retirement, estate planning, and investments. Finance service advisors collaborate with the executives for profitability and efficiency through project management strategy and accounting procedure restructuring... Show more	$13-42
   Finance Service Representative	A financial service representative typically works for a bank or a similar establishment. One of their primary responsibilities is to reach out to clients and offer financial advice, services, or products such as insurance and credit cards... Show more	$12-27

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Financial Services
   • Securities
   • Cash Management
   • Excellent Interpersonal
   • Bank Products
   • Product Knowledge
   • Profiling
   • Bank Policies
   • Loan Applications
   • Strong Customer Service
   • Client Relationships
   • Quality Customer Service
   • Customer Relationships
   • Commercial Banking

   Check all skills

   Responsibilities:

   • Work one-on-one with clients to gather requirements and identify cross-selling opportunities and leverage customer leads and referrals to identify new prospects.
   • Handle vault, safe-deposit, ATM and night-drop activities.
   • Facilitate monthly auditing by conducting cash counts for vault and ATM.
   • Develop new business opportunities, send securities and mortgage referrals to other departments.
   • Perform customer profiling to determine future sales opportunities and identify profitable retail prospects for the investments departments.
   • Develop customer base through cross-selling products and servicing existing clients, develop new business through interaction with internal and external resources.

3. Make a budget

   Including a salary range in your consumer banker job description is a great way to entice the best and brightest candidates. A consumer banker salary can vary based on several factors:

   • Location. For example, consumer bankers' average salary in alabama is 61% less than in new york.
   • Seniority. Entry-level consumer bankers earn 52% less than senior-level consumer bankers.
   • Certifications. A consumer banker with a few certifications under their belt will likely demand a higher salary.
   • Company. Working for a prestigious company or an exciting start-up can make a huge difference in a consumer banker's salary.

   Average consumer banker salary

   $39,462yearly

   $18.97 hourly rate

   ---

   Entry-level consumer banker salary

   $27,000 yearly salary

   Updated December 16, 2025

4. Writing a consumer banker job description

   A job description for a consumer banker role includes a summary of the job's main responsibilities, required skills, and preferred background experience. Including a salary range can also go a long way in attracting more candidates to apply, and showing the first name of the hiring manager can also make applicants more comfortable. As an example, here's a consumer banker job description:

   Consumer banker job description example

   The candidate will be responsible for providing support and direction to ensure the overall quality of the retail banking branch division as well as the Bank's residential lending and consumer lending portfolios. The position will be required to participate in several committees involved in the management of the bank and monthly presentations to the Board of Directors. The Director of Consumer Banking will be part of the Bank's senior executive team and will be responsible for developing strategic action plans regarding retail, residential and consumer lending, and private banking divisions in order to achieve Bank-defined strategic goals. The candidate will provide direction to division managers to ensure operating procedures and systems developed and implemented are for the purpose of promoting sound and efficient business practices.
   
   Requirements for the position include a Bachelor's degree in a business-related field, along with a minimum of ten years of experience in a banking-related field. The position requires significant involvement in branch administration, residential lending, private banking and consumer lending. Strong leadership, organizational, and management skills, as well as a proficiency in written and verbal communication, problem solving and negotiation skills are required. Occasional overnight, air and/or road travel is required. The ability to work late and/or flexible hours is required. EO/AA Employer: Title VII/Protected Veterans/Disability Status
   Qualifications
   
   Education
   
   Preferred
   
   + Bachelors or better
   
   Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
   
   The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

   Copy this example

   

5. Post your job

   To find the right consumer banker for your business, consider trying out a few different recruiting strategies:

   • Consider internal talent. One of the most important sources of talent for any company is its existing workforce.
   • Ask for referrals. Reach out to friends, family members, and current employees and ask if they know or have worked with consumer bankers they would recommend.
   • Recruit at local colleges. Attend job fairs at local colleges to recruit consumer bankers who meet your education requirements.
   • Social media platforms. LinkedIn, Facebook and Twitter now have more than 3.5 billion users, and you can use social media to reach potential job candidates.

   Post your job online:

   • Post your consumer banker job on Zippia to find and attract quality consumer banker candidates.
   • Use niche websites such as salesjobs, salesheads, allretailjobs.com, sales trax.
   • Post a job on free websites.

6. Interview candidates

   Your first interview with consumer banker 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.

   You should also ask about candidates' unique skills and talents to see if they match the ideal candidate profile you developed earlier. Candidates good enough for the next step can complete the technical interview.

   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 consumer banker

   Once you have selected a candidate for the consumer banker position, it is time to create an offer letter. In addition to salary, the offer letter should include details about benefits and perks that are available to the employee. Ensuring your offer is competitive is vital, as qualified candidates may be considering other job opportunities. The candidate may wish to negotiate the terms of the offer, and it is important to be open to discussion and reach a mutually beneficial agreement. After the offer has been accepted, it is a good idea to formalize the agreement with a contract.

   It's also good etiquette to follow up with applicants who don't get the job by sending them an email letting them know that the position has been filled.

   To prepare for the new employee's start date, you can create an onboarding schedule and complete any necessary paperwork, such as employee action forms and onboarding documents like I-9 forms, benefits enrollment, and federal and state tax forms. Human Resources should also ensure that a new employee file is created.

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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