How to hire a personal banking representative

How to hire a personal banking representative, step by step

Here's a step-by-step personal banking representative hiring guide:

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

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1. Identify your hiring needs

   The personal banking representative 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

   A personal banking representative's background is also an important factor in determining whether they'll be a good fit for the position. For example, personal banking representatives 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 personal banking representatives and their corresponding salaries.

   Type of Personal Banking Representative	Description	Hourly rate
   Personal Banking Representative	Financial clerks do administrative work for many types of organizations. They keep records, help customers, and carry out financial transactions.	$12-20
   Banker	A banker is primarily responsible for assisting clients with their banking needs, particularly when withdrawing, depositing, and paying. Aside from handling transactions, bankers are also mainly responsible for opening and closing accounts, processing requirements, verifying the validity of documentation, recommending services and other financial options to clients, and resolving inquiries and concerns... Show more	$9-46
   Relationship Banker	A relationship banker is responsible for providing financial advice by applying financial disciplines in the banking industry. Relationship bankers process financial transactions on their clients' bank accounts, generate account statements, and reiterate bank policies to support clients' financial goals and objectives... Show more	$13-23

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Bank Products
   • Profiling
   • Customer Inquiries
   • Financial Products
   • Financial Services
   • Customer Issues
   • Marketing Campaigns
   • Cross-Selling
   • Quality Customer Service
   • Bonds
   • Product Knowledge
   • Cash Handling
   • Account Maintenance
   • Loan Applications

   Check all skills

   Responsibilities:

   • Develop and maintain relationships with business partners to increase cross-sell opportunities and achieve sales goals.
   • Open new bank accounts, order debit and ATM cards for new and existing customers.
   • Coach associates in cross-selling of products, create work schedules and implement procedures to reduce expenses.
   • Inform customers of procedures for applying for services such as ATM cards, direct deposit of checks, and certificates of deposit
   • Maintain customer relationships while continually assessing cross-selling opportunities.
   • Advise patients of insurance/hospital information, prepare admission forms and enter patient data into the patient data accounting system.

3. Make a budget

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

   • Location. For example, personal banking representatives' average salary in mississippi is 37% less than in hawaii.
   • Seniority. Entry-level personal banking representatives earn 38% less than senior-level personal banking representatives.
   • Certifications. A personal banking representative 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 personal banking representative's salary.

   Average personal banking representative salary

   $16.27hourly

   $33,833 yearly

   ---

   Entry-level personal banking representative salary

   $26,000 yearly salary

   Updated January 14, 2026

4. Writing a personal banking representative job description

   A good personal banking representative job description should include a few things:

   • Summary of the role
   • List of responsibilities
   • Required skills and experience

   Including a salary range and the first name of the hiring manager is also appreciated by candidates. Here's an example of a personal banking representative job description:

   Personal banking representative job description example

   Primary Office Location:
   5431 Page Rd. Ste 120. Durham, North Carolina. 27703.
   
   Join our team. Make a difference - for us and for your future.
   
   n
   Position Title: Personal Banking Representative 2
   Business Unit: Retail
   Reports To: Varies Based on Assignment
   
   Position Overview:
   This position is primarily responsible for processing deposit accounts and loan products, selling products and services, assisting in the sale of loan products and performing various operational duties. The incumbent provides the highest quality of service to every customer.
   
   Primary Responsibilities:
   Processes deposit accounts, obtains required papers from customers, keys data into the system and prepares paperwork to open or close accounts according to established policies and procedures.
   Processes loan products, obtains all documentation needed for approval such as credit report, title search, collateral evaluation, etc. and forwards the documentation to Credit Support for processing and distribution of loan proceeds according to established policies and procedures.
   Sells products and services, determines customer financial needs, suggests appropriate products and services and assists in set-up according to established policies and procedures.
   Makes weekly outside sales calls as required by the Branch Manager and assists with sales chart updates and goals.
   Assists in the sale of loan products, interviews customers to determine an appropriate loan product to meet the customer's financial need and prepares loan applications according to established policies and procedures.
   Assists the Branch Manager with weekly branch sales meeting and coaching sessions and applicable sales activities.
   Assists in the development and management of Teller referral skills.
   Completes weekly call reports and branch sales plans.
   
   Provides customer service, responds to customer inquiries, performs research to obtain information concerning products and assists with the resolution of complaints according to established policies and procedures.
   Performs various operational duties such as balancing the ATM, performing Teller duties and assisting customers with safe deposit boxes according to established policies and procedures.
   Performs other related duties and projects as assigned.
   All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.
   
   F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
   
   Minimum Education:
   High School or GED
   
   Minimum Years Experience:
   3
   
   Special Skills:
   Excellent customer service skills
   Excellent communication skills, both written and verbal
   Excellent organizational, analytical and interpersonal skills
   Detail-oriented
   Ability to use a personal computer and job-related software
   MS Word - Basic Level
   MS Excel - Intermediate Level
   MS PowerPoint - Basic Level
   Experience in a related or banking operational position. Knowledge of various government regulations such as Regulation CC, DD, O, and Z and how these regulations relate to the job preferred.
   
   Special Licenses and Certificates:
   Nationwide Mortgage Licensing System and Registry Identifier preferred but will be required.
   
   Physical Requirements:
   N/A

   Copy this example

   

5. Post your job

   There are a few common ways to find personal banking representatives 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 personal banking representative job on Zippia to find and recruit personal banking representative candidates who meet your exact specifications.
   • Use field-specific websites.
   • Post a job on free websites.

6. Interview candidates

   Recruiting personal banking representatives requires you to bring your A-game to the interview process. The first interview should introduce the company and the role to the candidate as much as they present their background experience and reasons for applying for the job. During later interviews, you can go into more detail about the technical details of the job and ask behavioral questions to gauge how they'd fit into your current company culture.

   Remember to include a few questions that allow candidates to expand on their strengths in their own words. Asking about their unique skills might reveal things you'd miss otherwise. At this point, good candidates can move on to 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 personal banking representative

   Once you have selected a candidate for the personal banking representative 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 equally important to follow up with applicants who don't get the job with an email letting them know that the position has been filled.

   After that, you can create an onboarding schedule for a new personal banking representative. Human Resources and the hiring manager should complete Employee Action Forms. Human Resources should also ensure that onboarding paperwork is completed, including I-9s, benefits enrollment, federal and state tax forms, etc., and that new employee files are 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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