How to hire a retail banker

How to hire a retail banker, step by step

Here's a step-by-step retail 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 retail banker job description
• Step 5: Post your job
• Step 6: Interview candidates
• Step 7: Send a job offer and onboard your new retail banker
• Step 8: Go through the hiring process checklist

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1. Identify your hiring needs

   The retail 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 retail 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 retail banker that fits the bill.

   This list shows salaries for various types of retail bankers.

   Type of Retail Banker	Description	Hourly rate
   Retail Banker	Financial clerks do administrative work for many types of organizations. They keep records, help customers, and carry out financial transactions.	$12-22
   New Accounts Representative	New accounts representatives are banking professionals who are responsible for the explanation of the available accounts. The accounts representatives explain different options for new accounts and interconnected services... Show more	$13-22
   Banking Services Clerk	A banking services clerk is responsible for handling client requests and transactions, ensuring efficiency and client satisfaction. They may processes withdrawals and deposits, close and open accounts, and offer products and services to clients as necessary... Show more	$12-17

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Excellent Organizational
   • Taking Care
   • Prioritize Workload
   • Account Maintenance
   • Security Procedures
   • Control Checks
   • Bank Products
   • Loan Payments
   • Bank Policies
   • Customer Inquiries
   • Math
   • Customer Satisfaction
   • Cash Handling
   • Professional Reputation

   Check all skills

   Responsibilities:

   • Manage customer portfolios, service relationships, and used profiling analysis tools to identify cross-selling opportunities.
   • Train to sell and open new accounts with monthly goals as well as cross-sell banking products.
   • Develop and implement a variety of sales and marketing strategies including utilizing cross-selling skills.
   • Utilize profile analysis tools with current clients to better identify cross-selling opportunities and referrals with segment partners.
   • Develop and maintain relationships with partners to maximize sales opportunities while using profiling analysis tools to identify expand opportunities.
   • Assist in running daily balance reports (teller cash balancing, debit card, vault, ATM, etc . )

3. Make a budget

   Including a salary range in your retail banker job description is one of the best ways to attract top talent. A retail banker can vary based on:

   • Location. For example, retail bankers' average salary in mississippi is 38% less than in hawaii.
   • Seniority. Entry-level retail bankers 45% less than senior-level retail bankers.
   • Certifications. A retail banker with certifications usually earns a higher salary.
   • Company. Working for an established firm or a new start-up company can make a big difference in a retail banker's salary.

   Average retail banker salary

   $35,292yearly

   $16.97 hourly rate

   ---

   Entry-level retail banker salary

   $26,000 yearly salary

   Updated December 14, 2025

4. Writing a retail banker job description

   A job description for a retail 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 retail banker job description:

   Retail banker job description example

   Take the next step toward your new career today!
   
   Become a part of the diverse and inclusive team within our nationally recognized award-winning Bank that is one of the strongest in the nation.Woodforest National Bank is privately owned, and our Employee Stock Ownership Plan is the largest shareholder.We focus on building relationships and discovering opportunities to better serve our communities and understand the financial needs of every customer we serve. At Woodforest we care and prove it by volunteering with local charities and foodbanks to give back to the communities we serve. By joining Woodforest you will become a part of one of the largest employee-owned bank in the country!
   
   Our Retail Bankers are the face of our organization and are critical in caring for our customers each day. As a Retail Banker you will receive training that will allow you to successfully engage and enhance the customer's experience by offering products and services that best meet their needs. The well-rounded knowledge base that you develop will prepare you for advancement opportunities and a robust career in banking at Woodforest. Key responsibilities include:
   
   * Achieving individual sales by proactively identifying, marketing, and recommending bank products and services beneficial to customers.
   * Processing transactions, opening accounts, and performing account maintenance.
   * Handling branch servicing duties such as vault balancing, cash ordering, and maintenance of automated teller machines.
   * Employing problem solving skills to address customer inquiries and/or concerns in a manner consistent with the Woodforest Experience training.
   
   Minimum Qualifications/Experience:
   · 3 years of relevant and transferrable sales and/or customer service experience;
   OR an Associate's degree and 1 year of relevant and transferrable sales and/or customer service experience;
   OR a Bachelor's degree.
   · Previous instore banking experience is preferred, but not required.
   · Must be positive and engaging.
   · Must be fluent in English and Spanish.
   
   Formal Education & Certification:
   · High School Diploma or equivalent required.
   
   Work Status:
   · Full-time.
   
   Supervisory Responsibility:
   · No.
   
   Travel:
   · Little to no overnight travel expected. Based on the occasional business need, you may be expected to cover nearby branch locations up to 45 miles from your assigned branch location.
   
   Working Conditions:
   · Conditions include standing most of the time, may involve walking, moving, bending, stooping or sitting for brief periods, and occasionally lifting and carrying items up to 30 lbs.
   
   Disclaimer:
   This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Nothing herein restricts management's right to assign or reassign duties and responsibilities to this job at any time.
   
   Woodforest is an Equal Opportunity / Affirmative Action employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status, or other status protected by law or regulation.
   
   **Job:** **Branch Banking*
   
   **Organization:** **Maryland*
   
   **Title:** *Bilingual Teller Retail Banker *
   
   **Location:** *Maryland-Severn*
   

   Copy this example

   

5. Post your job

   To find retail bankers for your business, try out a few different recruiting strategies:

   • Consider internal talent. One of the most important talent pools for any company is its current employees.
   • Ask for referrals. Reach out to friends, family members, and your current work to ask if they know any retail bankers they would recommend.
   • Recruit at local colleges. Attend job fairs at local colleges to recruit entry-level retail bankers with the right educational background.
   • Social media platforms. LinkedIn, Facebook, and Twitter have more than 3.5 billion users, and they're a great place for company branding and reaching potential job candidates.

   Post your job online:

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

6. Interview candidates

   To successfully recruit retail bankers, your first interview needs to engage with candidates to learn about their interest in the role and experience in the field. You can go into more detail about the company, the role, and the responsibilities during follow-up interviews.

   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 retail banker

   Once you've selected the best retail banker 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.

   After that, you can create an onboarding schedule for a new retail banker. 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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