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Become A Retail Banker

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Working As A Retail Banker

  • Interacting With Computers
  • Getting Information
  • Evaluating Information to Determine Compliance with Standards
  • Performing for or Working Directly with the Public
  • Identifying Objects, Actions, and Events
  • Deal with People

  • Unpleasant/Angry People

  • Repetitive

  • $108,207

    Average Salary

What Does A Retail Banker Do At Woodforest National Bank

* Processes a variety of customer transactions accurately and efficiently in adherence to bank policies and regulations such as cashing checks, processing deposits and withdrawals, loan payments, cash advances, transfers, and issuing monetary instruments.
* Performs opening, closing, and other branch servicing duties such as cash and vault balancing; ordering cash, cards, checks and other supplies; completing logs, reports, audits and control checks; maintaining and servicing automated teller machines; and cleaning work areas.
* Opens and performs account maintenance on certificate of deposit, consumer and business accounts; assists with courtesy and collection calls as needed; seeks assistance from more knowledgeable branch staff when necessary.
* Addresses customer questions and concerns by phone and in person; files disputes or refers to appropriate internal resources for resolution as appropriate.
* Proactively seeks ways to develop and expand customer relationships through marketing displays, call programs, and other prospecting techniques.
* Achieves personal sales and referral goals by identifying, marketing, and cross-selling banking products and services beneficial to customer needs.
* Enhances customer satisfaction and the professional reputation of the Bank by warmly greeting, engaging, and developing good professional relationships with customers and host retail partners.
* Practices branch security procedures and protects customer confidentiality and privacy.
* Performs other job related duties or special projects as assigned

What Does A Retail Banker Do At Glacier Bancorp

* A. CUSTOMER RELATIONS
* Maintain positive on-going relationships with existing customer base.
* Project an image of professionalism and genuine concern in dealing with the public.
* Inspires trust and confidence in clients through problem solving, listening carefully to client needs and by proactively recommending products and/or services.
* Actively use the SERVICE Pledge for all service encounters: Smile, Eye contact, Refer to customers by name, Viable options – Never say no, Instant acknowledgement, Customers always come first, End with “Thank You”.
* Practice WSB Core Values:
* a.
* Be There – For both your customers and coworkers.
* b.
* Choose Your Attitude – Choose to make Western Security Bank a positive place to work.
* c.
* Make Their Day – Find someone who needs a helping hand, a word of support or a good ear and make their day.
* d.
* Play – Take your work seriously, but not yourself.
* e.
* Profitability – Decisions based on customer satisfaction and increasing bank profitability.
* B.
* CUSTOMER SERVICE
* Responsible for knowing WSB products and being able to articulate the advantages to the customer.
* Responsible for explaining the features and benefits of products and services to customers.
* Ability to handle initial requests for services competently and courteously.
* Ability to establish rapport and show concern.
* Fulfill the mission statement: “I will exceed the expected.”
* C.
* CUSTOMER DEVELOPMENT
* Responsible for listening to the internal and external customer’s needs and making a decision that will meet the needs of the situation.
* Responsible for making recommendations that will meet the customer’s needs by discussing the recommendation and providing a simple description of the solution that shows the benefits.
* Assists in exploring business development opportunities with designated businesses.
* Functions as a knowledgeable and professional representative of WSB internally and in the community.
* D.
* PRIMARY DUTIES- LENDING
* Originate and renew loans, up to the limits specified by loan policy and department’s guidelines, through an initial interview and/or analysis of borrower’s request, review of business and personal history and existing banking relationships.
* Perform thorough review and analysis of applicant/borrower’s financial condition following established guidelines using analysis of cash flow as a primary indicator of repayment ability; analysis to also include evaluation of the loan structure to include
* pricing, repayment terms and collateral adequacy.
* Prepare a written loan evaluation on loans exceeding the authorized lending limit and presents the evaluation to the lending supervisor.
* Renegotiate any change with the borrower.
* Oversee the preparation of documents for funds disbursement, booking of the note, filing, collateral file development, safekeeping, and credit file development and maintenance.
* Administer the loan to include overdraft monitoring, field audits and inspections, financial statement analysis, review and monitoring compliance to the loan agreements.
* Perform periodic review of loan documentation and collateral evaluation.
* Contact and/or work with collectors to resolve past dues and delinquencies.
* Comply with the initiation of watch-listed credit that represents deterioration from the original repayment terms.
* Initiate current and potential customer contacts and participates in community organization as a representative of the bank in order to enhance the bank’s image.
* Position will be required to register and maintain current Mortgage Loan Originator registration, as required by law.
* E.
* SECONDARY DUTIES- DEPOSIT RELATED RESPONSIBILITES
* Responsible for assisting customers with basic deposit related accounts and services.
* Cross sell and/or refer customers to other bank products and services such as credit cards, merchant processing, and online banking services.
* F.
* MISCELLANEOUS DUTIES
* Actively participates in WSB continuing education
* Performs duties while complying with Federal and State Laws and GBCI/WSB policies.
* Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
* Responsible for fulfilling the mission statement: “I will exceed the expected.”
* Other duties as assigned.
* Contributes to team effort by accomplishing related results as needed, including special projects as assigned

What Does A Retail Banker Do At Citi

* Analyze impact of various marketing campaigns, monitor performance, identify fluctuations in customer behavior and identify impact on revenue.
* Drive deposit and investment wallet growth through robust analytics on past campaign performance and portfolio trends to grow the franchise and achieve business goals across multiple channels and key target segments.
* Size new business opportunities based on P&L forecasts, assess customer impacts, and make recommendations to enhance current programs and improve results.
* Identify leading indicators at each stage of the acquisitions funnel
* Operate in a Test / Learn / Change environment based on key performance metric providing ongoing learnings
* Lead projects end-to-end: identifying and structuring the problem, analyzing root causes, developing solutions, communicating project results, and getting buy-in for change
* Develop real time campaign analytics and performance insights, ensuring quality control processes are in place for test / control design and overall campaign file development.
* Working with internal cross-affiliate teams, functional partners and external vendors to execute projects and support marketing initiatives.
* Partner with product and segment managers on marketing strategy and execution plans

What Does A Retail Banker Do At American Bankers Association

* Managing a portfolio of education-related products and services from a perspective of relevance, P&L, market
* alignment and positioning Developing a strategic plan to ensure the continued growth and adoption of individual products, along with capturing key metrics to demonstrate client success Aligning products and services around key market messaging based on current
* trends, opportunities and workforce dynamics Identifying opportunities to update products/services based on industry trends and banker feedback as well as new opportunities to develop education to meet emerging industry needs Contributing to the crafting of
* appropriate messaging for individual offerings and overall product areas to align ABA’s value proposition with industry needs and key trends Working closely with key clients, advisory boards and PDC to build relationships and better understand the key drivers
* impacting the industry – and using this level of market intelligence to strengthen ABA’s competitive position in the education and training space Providing leadership to a team of direct reports, as well as supporting staff, in terms of effective teamwork/dynamics,
* creativity/innovation, business analysis/BI and strategic thinking Working collaboratively across the broader team (education, endorsed solutions, membership, communications) to align our efforts and increase overall member value and strengthen ABA’s presence
* and reputation Assessing scope of product portfolio versus current/anticipated industry landscape/needs Aligning product/services/offerings to meet a more holistic market need Developing key strategies and messaging to provide greater resonance with potential
* purchasers Identifying key customer constituencies and developing targeted offerings in response Creating a strategic plan for the market to include strategies for growth, risks, and opportunities Building relationships with key customers via governance channels
* such as advisory boards, user groups and PDC – as well as direct contact with consumers of products/services
* Requirements
* years of related experience is required for this position; College degree required
* Business degree preferred
* Strong knowledge of Retail Banking and Lending functions at a bank
* Effective management and leadership skills – to include direct supervision of a team
* Ability to think strategically and build actionable tactics to grow market penetration/client usage
* Creativity and the ability to motivate a team to think and act decisively
* Strong financial acumen and the ability to identify KPI’s and metrics to measure success
* Strong customer/people management skills
* Sales and marketing orientatio

What Does A Retail Banker Do At Sungard

Responsibilities

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How To Become A Retail Banker

Most tellers have a high school diploma and receive about 1 month of on-the-job training. Some banks do background checks before hiring a new teller.

Education

Tellers usually need a high school diploma or equivalent. Some tellers may take some college courses, but a degree is rarely required for a job applicant to be hired. 

Training

New tellers usually receive brief on-the-job training, typically lasting about 1 month. Normally, a head teller or another experienced teller trains them. During this training, tellers learn how to balance cash drawers and verify signatures. They also learn the computer software that their bank uses and the financial products and services the bank offers.

Advancement

Experienced tellers can advance within their bank. They can become head tellers or move to other supervisory positions. Some tellers can advance to other occupations, such as loan officer. They can also move to sales positions.

Important Qualities

Customer-service skills. Tellers spend their day interacting with bank customers. They must be friendly, helpful, and patient. They must be able to understand customer needs and explain service options to their customers.

Detail oriented. Tellers must be sure not to make errors when dealing with customers’ money. 

Math skills. Because they count and handle large amounts of money, tellers must be good at arithmetic.

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Retail Banker jobs

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Retail Banker Demographic

Gender

  • Female

    66.5%
  • Male

    31.1%
  • Unknown

    2.3%

Ethnicity

  • White

    78.9%
  • Hispanic or Latino

    10.8%
  • Asian

    7.3%
  • Unknown

    2.1%
  • Black or African American

    0.9%
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Languages Spoken

  • Spanish

    47.0%
  • French

    11.2%
  • German

    4.5%
  • Urdu

    4.5%
  • Italian

    3.7%
  • Arabic

    3.7%
  • Hindi

    3.0%
  • Mandarin

    3.0%
  • Russian

    3.0%
  • Chinese

    3.0%
  • Portuguese

    2.2%
  • Japanese

    2.2%
  • Vietnamese

    1.5%
  • Albanian

    1.5%
  • Hebrew

    1.5%
  • Greek

    1.5%
  • Cherokee

    0.7%
  • Gujarati

    0.7%
  • Bulgarian

    0.7%
  • Ukrainian

    0.7%
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Retail Banker

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Retail Banker Typical Career Paths

Retail Banker Education

Retail Banker

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Top Skills for A Retail Banker

OutstandingCustomerServiceFinancialNeedsNewAccountTransactionsATMLoanPaymentsCustomerTransactionsBankProductsAccountMaintenanceBusinessAccountsCustomerSatisfactionPotentialCustomersCustomerRelationsBankPoliciesSecurityProceduresProcessingDepositsCollectionCallsProfessionalRelationshipsAddressCustomerQuestionsProtectsCustomerConfidentialityControlChecks

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Top Retail Banker Skills

  1. Outstanding Customer Service
  2. Financial Needs
  3. New Account Transactions
You can check out examples of real life uses of top skills on resumes here:
  • Demonstrated proficiency in policies and daily operations while delivering outstanding customer service resulting in increased productivity.
  • Conduct financial needs analysis and recommended the appropriate products to meet the client's needs.
  • Demonstrate proficiency with regard to policies, procedures, products and services pertaining to teller and new account transactions.
  • Processed monthly Vault and ATM audits with a zero error rate.
  • Accepted and processed customer deposits and loan payments.

Top Retail Banker Employers

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Retail Banker Videos

Increasing Cross Sales At Retail Bank New Account Openings

A day in the life of a personal banker

The Future of Bank Branches

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