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banker

Thanks — this is a strong, comprehensive banker role profile. Below I’ve converted it into several ready-to-use recruitment assets and hiring tools you can drop into job boards, ATS, interview guides and candidate screening workflows. If you want any version tailored to retail vs commercial, or to a specific region (US / EMEA / APAC), tell me which and I’ll adapt.

  1. Short job summary (for job boards / LinkedIn)
  • Title: Banker (Retail / Relationship Manager)
  • Salary: $40,000–$120,000
  • Summary: Client-facing banker responsible for deposit, lending and advisory services, onboarding and account management, credit origination and KYC/AML compliance. Balance transactional excellence (account opening, cash handling, payments) with consultative sales and portfolio growth. Requires experience with core banking systems, credit fundamentals, CRM and regulatory processes.
  1. Full SEO-optimized job posting (detailed)
  • Headline: Banker — Retail / Relationship Manager | Account Opening · Loan Origination · KYC/AML
  • Overview: A Banker is a client-facing financial professional who delivers deposit and lending solutions, conducts needs analysis, originates loans, ensures regulatory compliance (KYC/AML), and grows client relationships through cross-sell and advisory services. This role requires strong core banking and CRM experience, credit underwriting fundamentals, and exceptional customer service.
  • Key responsibilities (condensed): build/maintain client portfolio; end-to-end account opening and onboarding; loan origination, credit assessment and documentation; teller/branch cash operations; meet sales & cross-sell targets; KYC/AML/OFAC compliance and SAR/CTR filing; portfolio monitoring and delinquency management; referrals to specialists; audit-ready documentation; fraud detection and escalation; promote digital adoption; branch operations and staff coaching.
  • Required skills & qualifications:
    • Hard: 1–5 years retail banking (or 3–7 years for relationship manager), core banking systems (FIS/Temenos/Fiserv, etc.), KYC/AML/BSA/OFAC knowledge, credit analysis/loan underwriting, CRM (Salesforce/MS Dynamics), advanced Excel, transaction monitoring familiarity.
    • Soft: consultative sales, communication, attention to detail, problem-solving, integrity, time management, coaching.
    • Education: HS diploma minimum; bachelor’s in Finance/Business preferred.
  • KPIs & outcomes: new accounts/month, deposit growth, loan origination volume, cross-sell ratio, delinquency/NPL rate, KYC completion % & time-to-onboard, CSAT/NPS.
  • Salary & benefits: $40K–$120K (role & experience dependent) + sales incentives, benefits, career progression.
  • Keywords (for ATS/SEO): banker, retail banker, relationship manager, account opening, loan origination, KYC, AML, deposit products, cross-sell, credit underwriting, core banking systems.
  • Equal opportunity + compliance statement as required.

  1. One-line ATS-friendly summary (for resume parsers)
    Experienced Banker (retail/relationship manager) skilled in account opening, loan origination, KYC/AML compliance, credit underwriting, cross-sell strategies, core banking systems and CRM (Salesforce), seeking client-facing role to drive deposit and loan growth.

  2. Measurable outcomes & KPIs to include in JD and performance plans

  • New accounts opened: 25–60 per month (role-dependent)
  • Net deposit growth: target $X–$Y per quarter (set by branch size)
  • Loan origination volume: $250K–$5M+ per quarter depending on role
  • Cross-sell ratio: 1.5–3 products per household (improvement target)
  • KYC completion rate: 98–100% within 48–72 hours
  • Time-to-onboard: ≤ 3 business days for standard individual accounts
  • Delinquency / NPL rate for portfolio: < industry threshold (e.g., <2–4%)
  • CSAT / NPS: ≥ target (e.g., CSAT 85%+, NPS > benchmark)
  • Audit exception rate: ≤ set % (e.g., <1% documentation exceptions)
  • Digital adoption: % of clients enrolled in mobile/online banking (improve by X% quarterly)
  1. Candidate screening checklist (keywords & must-haves for resume review)
  • Must-haves: retail banking experience (1–3+ yrs), account opening / onboarding, KYC/AML, basic credit experience (consumer/small business), core banking system experience, CRM usage, cash handling/teller procedures.
  • Nice-to-haves: commercial lending, underwriting/credit memo experience, experience with FIS/Temenos/Fiserv/Jack Henry, Salesforce or Microsoft Dynamics, Excel modeling, transaction monitoring tools, SAR/CTR filing.
  • Soft-skill markers: consultative sales results, relationship management, team coaching, problem resolution, compliance/ethics emphasis.
  1. Interview guide — key questions + evaluation notes
  • Behavioral:
    • Tell me about a time you identified a client need and increased wallet share. (Look for consultative approach, metrics.)
    • Describe a compliance or KYC issue you caught. How did you handle it? (Look for process adherence, escalation.)
    • Give an example of resolving a difficult customer escalation. (Clear steps, empathy, remediation.)
  • Technical / situational:
    • Walk me through your process for account opening and KYC for a small business client. (Docs, risk checks, OFAC screening.)
    • How do you structure a $50K unsecured personal loan — what factors determine approval and terms? (DTI, credit score, income verification, collateral if any.)
    • A branch vault is short by $2,000. What steps do you take? (Investigation, dual control review, incident reporting.)
  • Role-play scenarios (evaluate communication & sales):
    • Upset customer denied a loan — explain the decision and next steps.
    • Cross-sell opportunity: customer has savings account — pitch a suitable product bundle.
  • Scoring: 1–5 scale on technical competence (credit/KYC), sales ability, customer service, compliance mindset, cultural fit.
  1. Sample practical assessments
  • Credit case study: prepare a 1-page credit memo and recommendation for a $50–150K consumer or small business loan given financial statements and statements of purpose.
  • Excel task: reconcile sample branch transactions, build pivot to show deposit mix by product; use VLOOKUP/XLOOKUP.
  • Role play: 10-minute onboarding call (assessed for KYC completeness, digital enrollment, sales aptitude).
  • Fraud scenario: written response on steps to investigate suspicious transaction and file SAR.
  1. Onboarding & training checklist for new hires
  • Systems access: core banking, CRM, transaction monitoring, e-signature
  • KYC/AML refresher + SAR/CTR procedures + OFAC screening
  • Lending policy overview and credit memo template
  • Teller operations & cash controls training (dual control)
  • Product training (deposits, cards, loans, merchant services)
  • Sales coaching: cross-sell scripts, pipeline management
  • Shadowing & 30/60/90 day goals (KPI targets)
  1. Compensation note & benchmarking
  • Provided range $40K–$120K is appropriate — entry retail bankers at lower end; experienced relationship managers / commercial bankers with origination responsibility at higher end plus commission/bonus. Consider banding by responsibility: Retail Banker ($40–60K + bonus), Senior RM / Commercial Banker ($70–120K + incentives). Benchmark locally to cost-of-living and competitor banks.
  1. Next steps / offer from me
    Pick from the outputs above for a tailored deliverable and I’ll produce it:
  • A polished single-page job ad for Indeed/LinkedIn.
  • An ATS-optimized job posting variant (XML or plain text with strong keyword density).
  • Interview scorecard (Excel/CSV-ready).
  • A 30/60/90-day onboarding plan for the role.
    Which one would you like first, or would you like a version targeted to retail vs commercial banker?
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