If you enjoy creating a good bond with your customers and relevant financial solutions for your client's requirements, in store personal banker could be the right profession for you. In store personal banker is responsible for providing assistance in financial services. Performing intermediate duties and providing support to the branch operational activities, recommending and assisting clients in selecting various financial and accounts services, executing all new accounts procedure, etc., are some of the job duties which they have to perform in their routine work. In short it can be said that in store personal banker responsibilities cover all the aspects of financial services.
They also contribute in cross selling of the bank's services and products, performing certain clerical duties in branch, opening all types of new account, maintaining and closing them, promoting the bank business by building and maintaining good rapport with the potential clients, and referring customers to the relevant staff or department for acquiring new services. An individual needs to be fully skilled and knowledgeable in order to work successfully as an in store banker. This profession demands candidates who are skilled in various areas of banking such as handling safe deposit, teller, processing, vault and discussing and approving credit forms or applications, boarding DDA lines of credit and so on. These professionals have to use their training, support and leadership qualities to assist the freshmen or less experienced representatives and staff members.
Work Objectives of an In Store Banker
In store bankers work to fulfill certain objectives:
What are the Job Responsibilities?
In store personal banker have to provide a number of services to the customers which may range from consulting about their accounts to handling a variety of complaints to assess, listen and resolve issues. They have to perform various tasks in a day that may involve speaking with customers, selling financial services, updating and accessing data on computer and often trying to meet the target. Some of their key responsibilities are discussed below:
Qualification
To work as an in store personal banker, you won't always require formal qualifications. But some employers may often look for a candidate with a bachelor's degree in relevant field. General education including Maths and English or equivalent qualification from an accredited institution can also give entry into this field. Employers usually require candidates with personal qualities such as good telephone etiquette, confidence and excellent communication skills. Proficiency in using computer and experience in handling clerical tasks in addition to customer service is also beneficial.
Training
Once you get hired in an organization, you will be provided in-house training that will include product knowledge, telephone skills and company procedures. In some cases, candidates may have to take further specialist qualification and training to develop their knowledge into certain areas of expertise such as pensions or mortgage advice. This is essential because the candidate needs to meet the competence training and standards of the Financial Services Authority to work in certain areas of the financial services. Personal bankers with experience could begin to give financial advises and supervise the team.
A full time in store personal banker will work for 35 to 40 hours per week. Candidates with work progress can get promoted to the post of manager or supervisor and get more exposure to deal with more direct tasks. Further qualifications would provide more opportunities to get promotions. Throughout the career, these bankers undergo trainings for new procedures and financial products.
In store personal banker responsibilities revolve around keeping track of all financial needs of the customer and providing essential advises and services related to the same.