Personal bankers help individual clients meet their banking needs by providing sound advice and suggesting the most appropriate financial services, serving as the face and the sales arm of the institution. To best serve their customers, personal bankers offer and suggest new accounts such as checking and savings accounts, auto loans and mortgages. Commonly referred to as securities, commodities and financial services sales agents, personal bankers may also provide insurance and investment products, or refer customers to agents within the institution who can assist them with additional financial products.
Interviews for personal banking positions typically focus on responsibilities and essential skills necessary for the position, such as financial knowledge and strong customer service skills. Most personal banking positions are not considered entry level, although some entry-level positions are available, so interviewees should be prepared to describe any relevant education or experience in customer service, sales, finance or banking in great detail. The interview is often the most stressful aspect of searching for a job, so preparation is key. The following are a few questions likely to come up during a job interview for a personal banking position.
“How Do You Choose the Particular Products to Suggest to Clients?”
This is one of the most common interview questions for personal bankers, and to answer it properly, you must have a convincing knowledge of the bank’s products and their benefits, uses and returns. Personal bankers have great influence on their clients, and the position's responsibilities are equal parts customer service and sales.
The more knowledgeable you are about the products you are selling, the more successful you will be. It is crucial to have a keen understanding of each individual client’s needs and financial situation to best identify the products most beneficial to him.
“I enjoy listening and getting to know my customers, building long-term relationships with them. By taking the time to understand their goals and needs, I am better able to identify what products will help them succeed and grow.”
Banking customers often feel more comfortable discussing and buying financial products with someone they know. By stressing you want to build long-term relationships, you are communicating that you not only want to make a sale, but you are also looking to cultivate long-term customers.
“How Do You Handle Aggressive, Demanding or Confused Clients?”
Personal bankers deal with a wide variety of clients, and since they are the face of the entire institution to the customers, it is vital they present themselves professionally at all times. Impatient, temperamental people are not likely to have successful careers as personal bankers.
You must have the ability to tailor your approach and adjust your sales techniques for every client. While one client may wish to sit and chat before getting down to business, another may just be trying to open a checking account before her lunch break is over. Discuss your ability to clearly change your communication style to best meet the needs of your customer.
“My passion for helping people reach their financial goals is much stronger than my ego. Every client deserves my respect and I pride myself on my professionalism and integrity. I am confident in my communication skills and comfortable varying my approach if necessary.”
The bank relies on personal bankers to represent the company in a positive manner at all times. By putting the needs of the bank's customers over your own, you show true dedication to their best interests and prove you are a team player. Interviewers are seeking candidates who can prove they have a passion for personal finance as well as strong interpersonal communication skills and a desire for helping people succeed.