Banker Job Description
Provide financial services, build customer relationships and support the bank’s commercial objectives across retail or commercial portfolios.
What does a Banker professional do?
A Banker manages customer accounts, advises on products such as loans and deposits, assesses credit and compliance, and helps grow the bank’s portfolio while protecting risk and regulatory standards.
Banker job description template
Use this employer-ready example as a starting point, then replace the placeholders and adjust the content so it accurately reflects your vacancy.
Banker
About the role
We are seeking a Banker to join our team in [Location]. You will manage customer relationships, assess lending and deposit needs, identify appropriate products, handle transaction enquiries and ensure compliance with internal policies and regulatory requirements. This role offers day-to-day client contact, opportunity to develop business pipelines and close sales while maintaining high standards of service and accuracy. Salary/benefits: [Salary range] • [Benefits summary].
Key responsibilities
- Build and maintain relationships with personal or business customers, acting as the first point of contact for their banking needs.
- Assess customer financial situations and credit applications, preparing accurate documentation and risk assessments.
- Recommend and sell suitable banking products (current accounts, savings, loans, mortgages, overdrafts) consistent with customer needs and risk appetite.
- Process transactions, account openings and closures, ensuring accuracy and adherence to anti-money laundering and identification checks.
- Monitor customer accounts for early signs of arrears or fraud and escalate according to procedures.
- Meet individual and branch sales and service targets while maintaining regulatory and conduct standards.
- Keep detailed, compliant records of customer interactions and decisions.
- Work with internal teams (underwriting, operations, compliance) to resolve complex cases and complete applications.
Essential skills and experience
- Right to work in the UK.
- Experience in customer-facing roles within retail or commercial banking, financial services or a closely related sector.
- Strong numeracy and attention to detail with experience assessing basic credit and financial information.
- Good communication skills; able to explain financial products and decisions clearly to customers.
- Comfortable working to targets while maintaining compliance and customer-care standards.
- Basic IT skills and familiarity with CRM or core banking systems (or ability to learn them quickly).
Desirable
- An industry qualification or progress towards one (for example CeMAP, Chartered Banker Institute awards or other recognised banking qualifications).
- Experience in mortgage, small business or commercial lending.
- Knowledge of anti-money laundering (AML) checks, FCA conduct principles and data protection requirements.
- Previous success meeting sales/performance targets in a branch or business development role.
What we offer
- [Pension scheme with employer contributions]
- [Performance-related bonus or commission scheme]
- [Paid annual leave and public holiday policy]
- [Professional development and funded training]
- [Private medical or health cash plan]
- [Hybrid or flexible working options where available]
How to apply
Apply with your CV and any additional information requested. Make the interview process, closing date and any assessment stages clear where known.
Use this as a starting point rather than a final advert. The strongest version will reflect the real role, salary, location, systems, responsibilities, benefits and working arrangements.
What is a Banker role?
Bankers provide banking services and financial advice to individual and business customers, helping them manage accounts, apply for credit, and choose suitable products. They assess applications, manage risk and ensure transactions comply with rules and internal policies. A successful Banker balances customer service, sales activity and regulatory responsibilities while liaising with underwriting, operations and compliance teams.
Core focus
Customer relationship management, product advice, account administration and basic credit assessment.
Compliance & risk
Ensure AML checks, identity verification and accurate record-keeping to meet regulatory standards.
Commercial outcomes
Support branch or business targets through selling appropriate products and growing portfolios.
Collaboration
Work with underwriting, operations and specialist teams to progress applications and resolve issues.
Typical Banker responsibilities
Responsibilities should reflect the real scope of the vacancy rather than every task someone in this profession might ever complete.
Build
Build and maintain relationships with personal or business customers, acting as the first point of contact for their banking needs.
Assess customer financial situations
Assess customer financial situations and credit applications, preparing accurate documentation and risk assessments.
Recommend
Recommend and sell suitable banking products (current accounts, savings, loans, mortgages, overdrafts) consistent with customer needs and risk appetite.
Process transactions
Process transactions, account openings and closures, ensuring accuracy and adherence to anti-money laundering and identification checks.
Monitor customer accounts for early
Monitor customer accounts for early signs of arrears or fraud and escalate according to procedures.
Meet individual
Meet individual and branch sales and service targets while maintaining regulatory and conduct standards.
Keep detailed
Keep detailed, compliant records of customer interactions and decisions.
Work with internal teams (underwriting
Work with internal teams (underwriting, operations, compliance) to resolve complex cases and complete applications.
Banker skills and experience to look for
Keep the essential list focused on what the person really needs to perform the role. Move useful-but-trainable experience into desirable criteria.
Usually worth prioritising
- Right to work in the UK.
- Experience in customer-facing roles within retail or commercial banking, financial services or a closely related sector.
- Strong numeracy and attention to detail with experience assessing basic credit and financial information.
- Good communication skills; able to explain financial products and decisions clearly to customers.
- Comfortable working to targets while maintaining compliance and customer-care standards.
- Basic IT skills and familiarity with CRM or core banking systems (or ability to learn them quickly).
Useful where relevant
- An industry qualification or progress towards one (for example CeMAP, Chartered Banker Institute awards or other recognised banking qualifications).
- Experience in mortgage, small business or commercial lending.
- Knowledge of anti-money laundering (AML) checks, FCA conduct principles and data protection requirements.
- Previous success meeting sales/performance targets in a branch or business development role.
See our guide to what to include in a job advert before publishing.
How to write a Banker job advert
Small role-specific details can make the advert much easier for suitable candidates to assess.
Be explicit about the customer segment
State whether the role focuses on retail, SME, commercial or specialist banking so candidates can assess fit quickly.
Clarify sales vs service expectations
Explain target metrics, whether commission or bonus applies and how performance is measured to attract the right applicants.
List compliance expectations
Mention required checks (right to work, identity verification) and any mandatory internal compliance training to set clear requirements.
Use concrete examples
Illustrate typical tasks (e.g. processing loan applications, conducting affordability checks) rather than broad statements about 'supporting customers'.
Banker salary considerations
Banker pay varies with role seniority, sector (retail, commercial, corporate banking), location, and whether pay includes commission or bonuses. Use the following factors to set a competitive, defensible package rather than a fixed market figure.
depending on experience
- Use a genuine range
- Separate variable pay
- Avoid “competitive” alone
- Match salary to seniority
What Banker candidates will want to know
Practical details can influence whether a suitable candidate applies, even when the title and salary are attractive.
What are the typical working hours and shift patterns?
Candidates want to know branch opening hours, any Saturday rota and expectations for banking hours or evening client meetings.
Is hybrid or remote working available?
Clarify whether the role requires daily branch attendance or offers flexible/hybrid arrangements for administrative tasks.
How is performance measured and rewarded?
Explain targets, commission/bonus structure, and how service metrics and compliance factor into reviews.
What compliance or background checks are required?
Tell applicants about right-to-work, identity verification, credit or regulatory checks and typical timescales.
What progression and development opportunities are available?
Candidates expect clarity on promotion routes, supported qualifications and training budgets.
Where to post a Banker job
Banker roles attract candidates through a mix of national job boards for broad reach and sector-specific channels (banking or finance job sites, professional networks). For branch-based hires, local advertising and community channels can be effective; for specialist commercial roles, target industry groups, LinkedIn and recruitment agencies with banking expertise.
Banker job description FAQs
Do I need a specific licence to hire a Banker?
There is no single nationwide licence required for most Banker roles; however, some specialist functions may require industry certifications or FCA approvals. Employers should list any mandatory professional qualifications or regulatory clearances in the advert.
What is the best way to structure commission and bonuses?
Align variable pay with measurable outcomes (sales, retention, quality/service scores) and include compliance safeguards. Be transparent about target levels and how payments are earned and reviewed.
How long does recruitment usually take for a banking role?
Timelines vary by seniority and required checks. Entry-level hires can be completed in a few weeks, while roles needing credit, regulatory or senior management vetting may take longer. Build time for interviews, referencing and any compliance checks into your timeline.
Which soft skills matter most when assessing candidates?
Strong communication, numeracy, integrity, attention to detail and the ability to explain financial concepts clearly are critical for successful bankers.
Ready to advertise this Banker role?
Use the advert paragraph and requirements above as a starting point. Localise details such as location, salary range and benefits, and be clear about compliance checks and performance expectations to attract qualified candidates.
