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Candidate Info
years in workforce
years at this job
History
Personal Banking Representative Ii/investment Associate
Recognized in top 5 of Licensed Bank Employees in the NJ Metropolitan Region achieving 148% of branch sales goals
- Generated more than $200,000 in revenues during the 4th quarter 2014
- Presented a full range of banking services to individuals emphasizing personal financial counseling with superior customer service
- Assisted with training and developing existing / new team members in achieving branch sales goals while maintaining high customer service quality
- Cross sold consumer and business deposit products, retained and expanded relationships with new and existing clients
- Supported Branch Manager reaching operational goals resulting in an above average audit.
- Represented bank in community outreach events
Candidate Info
years in workforce
years at this job
Early Childhood Education
Licensed Personal Banking Representative
Responsible for servicing new and existing clients with their financial needs, writing business investments and referring customers to Financial Advisors.
- Exceeded branch sales and investment goals through innovation, dedication and teamwork.
- Generated new business through consumer profiling and needs analysis.
- Utilized cross selling techniques to grow existing relationships.
- Shop reviews consistently resulted in 100% scoring.
- Selected to assist other branches with investment campaigns.
- Assisted with staff training and coaching to ensure 100% customer service at all times. Conducted meetings aimed at increasing sales, staff motivation and partnership.
Candidate Info
years in workforce
years at this job
Baking And Pastry Arts
Licensed Personal Banking Representative II
- Honored as Top Performer 2015 for consistently achieving sales goals with a combined yearly average of 151% to goal
- Increased performance by 53% in 2015 by evaluating daily success habits building my knowledge and skill set, and creating systems for productivity
- Created system to track performance, profitability, and follow-up for new account openings while nearly eliminating the potential for account scrub
- Trained and coached other district bankers on customer service, sales, and productivity while developing a personalized plan to achieve branch and personal sales goals
Candidate Info
years in workforce
years at this job
Administration
Bank Products
Senior Personal Banking Representative II
Originated new loans; counseled customers in person and online to complete loan applications.
- Consistently meet established goals for opening personal savings, checking, & CC accounts.
- Consistently meet established goals for opening business & merchant accounts.
- Provided excellent customer service; fielded and resolved customer issues, and consulted customers on all banking products.
- Successfully conducted presentations at Aventura Hospital, Gulfstream Park, Calder Race Course, Calder Casino, Barry University, etc.
Candidate Info
years in workforce
years at this job
Business
Personal Banking Representative
Accurately opened and processed customer accounts.
- Analyzed customer's financial needs and matched those needs to the appropriate Sovereign product.
- Processed Loans from taking of application to closing.
- Delivered excellent" Red Carpet" customer service in handling all customers' financial needs.
- Solved customer concerns quickly and efficiently.
- Achieved top salesperson of my peers for my district in 2008.
Candidate Info
years in workforce
years at this job
Management
Senior Personal Banking Representative
Also held positions as Branch Manager, Assistant Branch Manager, and Small Business Banker
- Sold and serviced both bank and insurance products using consultative selling skills
- Grew deposit base from $9,000,000.00 to $13,000,000.00
- Consistently met or exceeded Corporate Deposit, Cross Sell and Investment goals for the branch
Candidate Info
years in workforce
years at this job
Business Administration
Personal Banking Representative I
Provided World Class Customer Service which met and exceeded the customer's expectations. Analyzed and determined the financial needs of each customer, matched this need to the appropriate product or service; grew profitable customer relationships based upon customer satisfaction. Demonstrated an in-depth knowledge of all consumer products and services.
- Developed new relationships with new consumer and business accounts based on customers need,
- Processed loan applications and closed loans according to federal and company regulations and guidelines.
- ATM custodian that performed Daily and Weekly audits in compliance within the banks policy and procedures.
Candidate Info
years in workforce
year at this job
Liberal Arts
Personal Banking Representative
- Generated business for the bank through existing and new clients.
- Cold call sales to obtain new business.
- Assisted tellers and Customer Service Associate with their referral goals and their individual growth within the bank.
- Managed the branch when the cluster’s manager was not in the branch.
Candidate Info
years in workforce
years at this job
Marketing
Personal Banking Representative
Provides service to new and existing clients by promoting, selling, and opening bank deposit services.
- Meet and exceeds expectations in regards to deposit growth and loan growth.
- Assists clients with problems or questions concerning their accounts. Explains service charges, statement problems, product features, etc.
- Builds and maintains relationships with clients.
- Provides a superior level of service by identifying clients needs and recognizing and acting upon opportunities to refer and sell service and products by the bank.
Candidate Info
years in workforce
years at this job
Journalism
Personal Banking Representative
- Develop and maintain client relationships by providing excellent customer service and building rapport
- Retain customer relationships by actively cross selling and efficiently resolving problems
- Deepened customer relationships by providing outstanding customer service following a focused cross selling strategy.
- Frequently exceeding sales goals and regularly a top performer in the branch
- Effectively communicate with Spanish speaking clients to provide relevant solutions to meet their needs
- Expert in checking, savings, money markets, CDs, IRAs, loans and lines of credit
Candidate Info
years in workforce
years at this job
Vocational Degree
Floating Personal Banking Representative
Open Personal/Business Accounts
- Originate Personal/Business Loans
- Helped train multiple New Accounts Representatives within the bank
- Chosen to be in the Banker Development Program
- Had a Penetration level of 100 % on multiple occasions in 2010
- Involved in Business Networking group to bring additional business to the bank
- Number one in sales penetration for the bank in 2010
- Involved in multiple Non-Profit groups such as Junior Achievement and OKC Ambucs. Was 2010 and 2011 company coordinator for Junior Achievement fundraiser.
Candidate Info
years in workforce
year at this job
Certificate
Business Administration
Personal Banking Representative
Educated and assisted customers with bank's multiple services.
- Processed loan applications and handled closings.
- Opened customer matched savings and checking accounts.
- Assessed financial needs and made referrals to investment specialist.
- Enforced compliance and industry regulations.
Candidate Info
years in workforce
month at this job
Health Care, Accounting, Business Administration, Finance
Culinary Arts
Architectural Design
Personal Banking Representative
- Established sales relationships though Telemarketing, as well as in-house cross selling bank products and services
- Represented the bank in community function and events
- Mortgage loan originator and handled closings
- Collaborated opening and closing bank store procedures, as well as teller responsibilities
- Assist prospective customers open deposit accounts that best suit their needs and lifestyle.
Candidate Info
years in workforce
years at this job
Personal Banking Representative
- Performs a variety of customer transactions through teller terminal
- Inspects checks/bonds for acceptability and complies with bank policies
- Receives deposits and withdrawals, verify accuracy and scrutinize currency
- Assists Management in opening and closing the branch
- Effectively profile Customers and cross sold applicable/ product or service
- Consistently received 100% on Mystery Shops, numerous top sales referral awards and Employee of the Month
Candidate Info
years in workforce
years at this job
Industrial Engineering
Personal Banking Representative
Conduct discussions with prospects to understand background and identify needs; clearly communicate potential solutions.
- Execute integrated sales, relationship, and credit strategies that are aligned with the branch's business plan.
- Take ownership of the client experience including on-boarding and resolve service issues as appropriate.
- Assist in execution of branch events; invite clients and prospects to events; actively engage with attendees and follow-up to develop a network and grow branch business.
- Provide Tellers and other branch staff with coaching and guidance on products and special programs, identifying client
Candidate Info
years in workforce
years at this job
Personal Banking Representative
- Resolve customers' service and complaints
- Inform prospective customers of bank products and services
- Use effective techniques for cross selling products to customers
- Help plan successful marketing and advertising strategies
Candidate Info
years in workforce
years at this job
Corporate Communication Studies
Personal Banking Representative II
- Sell clients a full-range of retail products and services, such as deposit accounts, loans, credit cards, safe deposit boxes etc. to meet and exceed established sales goals to support overall district, branch and individual sales objectives
- Seek new opportunities to develop customer relationships and sales opportunities while servicing the client's needs
- Gain and maintain strong customer relationships through communication and sales tactics
- Consistently maintain above the corporate weighed average performance (WAP) standing toward Santander's sales initiative quarterly and daily goals
- Resolve a variety of customer requests, such as reconstruction of accounts, account balance/transactions/payment discrepancies, multiple account linkages, fraud claims, wire transfers, notary duties and perform sales calls
- Refer clients to other bank specialists such as Investment or Mortgage Advisors, as necessary, to help gain exclusive relationship status with clients as their primary bank
- Train new Personal Banking Representatives on the responsibilities, expectations, policies and procedures of the role
Candidate Info
years in workforce
years at this job
Fashion Industry Management
Personal Banking Representative
- Achieve quarterly sales goals by exploring the financial needs and establishing relationships with potential and existing clients.
- Represent [company name] at Monmouth University's campus events to promote the branch and meet with students looking to open a new checking account.
- Perform all service requests for customers in a timely fashion, following up on an as needed basis.
Candidate Info
years in workforce
years at this job
Business Administration
Loan Officer/personal Banking Representative
- Open new accounts including business and personal, both deposit accounts and loans
- Achieve specific sales and service goals on a quarterly and annual basis
- Responsible for adherence to bank's operational compliance, audit and security policies and applicable state and federal laws
- Responsible for teller overrides and guidance on complicated transactions; serving as Escalation Officer for customer issues
- Manage relationships with various business partner entities managing service quality to ensure ongoing client satisfaction
- Manage client portfolio, services relationships and cross-sells all products and services
- Obtain and ensure accuracy of all regulatory and procedural documentation
- NMLS Certified, Notary Public
Candidate Info
years in workforce
year at this job
Personal Banking Representative
Open and close accounts
- Open and close bank
- Customer service
- In charge of large amount accounts
- Organization of all paper work
Top Personal Banking Representative
Resume Templates
Personal Banking Representative Duties and Responsibilities
Personal banking representatives perform several duties that are mostly customer-oriented. Our analysis of job listings shows that these are their core responsibilities:
Maintain Client Relationships The primary task of personal banking representatives is understanding the client's financial background and goals, then creating a strategy to achieve those goals. They may refer clients to specialists or suggest bank services. All throughout, they must ensure a comfortable customer experience, communicating information clearly and assisting with procedures.
Process Transactions Personal banking representatives spend much of their time processing bank transactions, including loan payments, deposits and withdrawals, and coin and cash orders. Aside from guiding customers during these transactions, they check for consistency as well as compliance with the bank's policies and procedures.
Sell Products and Services Using their keen awareness of clients' pain points, personal banking representatives can practice cross-selling, where they recommend additional bank services. This is especially effective for long-term clients with evolving needs. Personal banking representatives also search for new clients through cold-calling or lead follow-ups.
Contribute to Marketing Personal banking representatives take an active role in the bank's marketing and business development activities. They represent the bank during community events, where they promote products and build a network of potential clients. In addition, since they deal with people firsthand, they can supplement market research with their experiences.
Conduct Training This position often involves coaching other bank employees on increasing sales and improving customer service, with an emphasis on achieving branch goals. Another common duty is orienting new hires about job expectations, company products and services, and compliance.
Personal Banking Representative Skills and Qualifications
Without a doubt, personal banking representatives should be knowledgeable about banking and finance and combining this expertise with strategic thinking to create actionable plans for clients. Being good with people is also important, whether they're giving updates or pitching a product. In addition to a business-related degree, hiring managers value the following skills:- Financial knowledge - personal banking representatives must be well-versed in general finance as well as specific products and services in order to guide clients
- Customer service - when interacting with clients, personal banking representatives maintain a courteous, helpful attitude, efficiently implementing requests and addressing all concerns and inquiries
- Problem-solving skills - a personal banking representative matches clients with bank solutions based on their current situation and goals, so problem-solving is vital
- Interpersonal skills - because they're always building client relationships, successful personal banking representatives have excellent interpersonal skills. Motivated by a genuine desire to help, they easily establish trust and rapport
- Persuasion - personal banking representatives optimize sales opportunities by reading people well and highlighting the aspects of the products most relevant to them
Personal Banking Representative Education and Training
Job postings for personal banking representatives generally require a high school diploma at minimum, but most employers prefer an associate's or bachelor's degree in finance, business, or a related field. They also look for at least one year of experience in customer service, cash-handling, or banking. Successful candidates can expect initial training focused on the technical aspects of the job, such as information sessions on bank offerings or software tutorials.
Personal Banking Representative Salary and Outlook
According to PayScale, personal banking representatives earn a median annual salary of $35,000, or $15.73 per hour. The lowest 10 percent of earners make $25,000, while the highest 10 percent make $43,000. The Bureau of Labor Statistics (BLS) predicts that employment for customer service representatives, which includes personal banking representatives, will grow 5 percent by 2026. The increasing emphasis on customer service bodes well for this sector, but automated systems will take over many tasks. However, personal banking representatives have an advantage because their role hinges on strategic thinking and sales, which makes it less prone to automation.
Helpful Resources
If you think a career as a personal banking representative fits you well, check out the following curated resources:
The Psychology of Selling: Increase Your Sales Faster and Easier Than You Ever Thought Possible - personal banking representatives who want to improve their sales will find this book useful. It delves into the psychology behind why people buy, then presents concrete tools and techniques that readers can immediately apply to their career
Association of Financial Professionals - this diverse organization offers a networking platform for those working in treasury and finance. Aside from offering top certifications, AFP owns several subcommunity websites, and it's in charge of the largest global conference for financial professionals
Dictionary of Banking Terms - banking is an information-heavy field with extensive jargon. This user-friendly reference book, which comes with diagrams and line art, is great for students, business managers, and banking professionals who need to look up terms
American Bankers Association - ABA is the premier organization for American banks. Membership is only for institutions, but those in finance, including personal banking representatives, can peruse the website for industry information, from banking policies to resources for various specializations
Breaking into Banking: Cracking the Code on Launching a Successful Career in Commercial Banking - written in a direct, casual style, this book clarifies what it takes to get into commercial banking, with emphasis on lending. It defines basic concepts that candidates should know and gives thorough advice on the job application process
