Description
Provide retail banking services to individuals and small businesses by opening and servicing accounts, advising on deposit and credit solutions, managing client relationships, and ensuring accurate, compliant processing. Advise on accounts, loans, and digital services, and refer to licensed specialists for investments when appropriate.
- • Conduct financial needs assessments and gather KYC/CIP information.
- • Open and service checking, savings, CD, IRA, and safe-deposit accounts.
- • Explain product features, rates, fees, and terms in plain language.
- • Recommend deposit, credit, and digital banking solutions based on suitability.
- • Process deposits, withdrawals, transfers, wires, and stop-payment requests per policy.
- • Complete and submit account, loan, and credit card applications accurately.
- • Verify identities and documentation to meet BSA/AML, KYC, and OFAC requirements.
- • Review transactions and paperwork for accuracy and regulatory compliance.
- • Monitor client accounts for overdrafts, fraud indicators, and service opportunities.
- • Resolve service issues and escalate complex cases to specialists or operations.
- • Provide current interest rates, payoff quotes, and payment calculations.
- • Negotiate fee waivers or rate exceptions within approval limits.
- • Prepare tailored proposals and product bundles to meet client goals.
- • Cross-sell checking, savings, CDs, credit cards, personal loans, and HELOCs.
- • Refer clients to licensed advisors for investments, insurance, and wealth planning.
- • Refer clients to mortgage, small business, and treasury specialists when appropriate.
- • Educate clients on online and mobile banking, bill pay, and security best practices.
- • Maintain accurate records of client interactions, agreements, and disclosures.
- • Track and report sales pipeline, activities, and results against goals.
- • Schedule and conduct periodic account reviews with assigned clients.
- • Prospect for new clients via outreach, events, and referrals.
- • Build relationships with community partners to generate leads.
- • Stay current on product changes, interest rates, and economic trends.
- • Calculate interest accruals, amortization schedules, and fees for clients.
- • Evaluate the profitability and risk of client relationships within policy.
- • Coordinate with tellers and back-office teams to ensure timely service.
- • Initiate requests for underwriting, rate exceptions, or product approvals.
- • Follow branch security, privacy, and cash-handling procedures.
- • Protect client confidentiality and comply with privacy laws.
- • Meet individual and branch sales, service, and compliance targets.
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Financial Services
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O*NET occupational data (work activities, skills, knowledge).
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Last reviewed: Jan 2026
