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Personal Banking Representative

This job is particular to the banking industry, but positions with similar responsibilities exist in credit unions, with titles such as Personal Services Officers or Representatives. The main role of a Personal Banking Representative is to promote, sell and deliver a full range of products and services to meet the financial needs of current and prospective clients. The job relies being able to provide proactive and efficient service directly to clients by appointment, face-to-face or over the phone. Familiarity with a wide range of products and services may be required, including bank accounts, cash handling, cheque clearing, credit and debit cards, loans and mortgages, foreign currency and travellers' cheques, insurance and managed products.

  • Deal with clients' personal banking needs on a daily basis.
  • Accurately document all sales transactions.
  • Use and contribute to the bank's internal client referral system.
  • Provide efficient and professional service to customers.
  • Participate in marketing and sales-related business development.
  • Build productive relationships with other team members.
  • Apply risk and due diligence policies, practices and procedures when extending credit, lending money or dealing with delinquent accounts.

Personal Banking Representatives usually have completed the CSI's Canadian Securities Course or any of the four other courses that lead to registration to sell mutual funds. Most banks now offer customers third-party mutual funds in addition to in-house offerings, so registration is important. Many Personal Banking Representatives have also completed, or are in the process of completing, CSI's Professional Financial Planning Course and Wealth Management Techniques course to enhance their knowledge of financial planning.

Personal Banking Representatives can expect to earn a salary of between $30,000 and $40,000 to start.