ASSOCIATE BANKER JOB DESCRIPTION

Every branch visit is a sales and service moment. An Associate Banker handles the full range of consumer transactions from account openings to direct deposit setup while actively identifying unmet financial needs and routing customers to the right products. The role sits on the front line of a retail banking center, answering to branch management and working alongside specialists in lending, investments, and wealth. BSA/AML compliance and Currency Transaction Report obligations are daily realities here, not quarterly concerns.

As the Associate Banker, you serve as the primary point of contact for consumer clients in a retail branch, converting everyday transactions into referral and cross-sell opportunities across deposit, loan, and investment product lines. You work within a branch team under direct supervision of branch management, collaborating with product specialists to meet individual sales goals and banking center profitability targets.

Career Impact: Demonstrated performance in a branch Associate Banker seat is the documented entry point to Licensed Banker and relationship management tracks within retail financial services.

Business Impact: The branch referral rate and Cash Over and Short record this role owns are direct inputs to banking center profitability and audit outcomes.

Growth Opportunity: Cross-exposure to deposit, loan, investment, and mortgage lines within a single role builds the product breadth that senior Personal Banker and Branch Manager candidates are evaluated on.

• Engage walk-in clients at branch entry, manage lobby traffic, and schedule or cancel client meetings to maintain service flow.
• Execute consumer transactions including account maintenance, stop payments, wire transfers, and debit card services within established control standards.
• Identify unmet financial needs during client interactions and refer customers to appropriate product specialists or lines of business.
• Educate clients on self-service banking options to expand digital adoption and reduce in-branch transaction volume.
• Cross-sell deposit, loan, and investment products by executing a structured needs assessment and follow-up process on each interaction.
• Maintain accurate Cash Over and Short records, prepare Currency Transaction Reports, and balance ATMs and coin machines as needed.
• Comply with BSA/AML requirements, bank security protocols, and consumer protection regulations on every transaction.
• Support branch sales objectives by participating in promotional activities, huddles, and banking center initiatives.

• High School diploma or GED equivalent, or equivalent work experience.
• 1 or more years of customer service or retail sales experience, with direct exposure to cash handling or financial transactions.
• Working knowledge of banking regulations including BSA/AML requirements and consumer protection policies.
• Ability to identify customer financial needs through active listening and structured fact-finding conversations.
• Strong attention to detail and accuracy in cash management, transaction processing, and recordkeeping.
• Effective interpersonal and written communication skills to engage clients professionally across in-person and administrative contexts.
• Demonstrated ability to meet individual sales goals within a team environment while maintaining compliance standards.

• Prior experience in a teller, personal banker, or branch operations role within a retail bank or credit union.
• Familiarity with Anti-Money Laundering red flags, sanctions screening, and complaint handling procedures.
• Proven track record of referral generation that converted into booked deposit, loan, or investment accounts.
• Experience supporting or coaching less tenured branch staff on products, procedures, or customer service standards.

• Referral conversion rate, measuring how often identified needs result in booked product relationships.
• Cash Over and Short variance, reflecting accuracy and control discipline at the transaction window.
• Individual cross-sell units per customer interaction, tracked against branch management goals.
• Currency Transaction Report completion rate, indicating compliance with BSA/AML daily obligations.
• Client Satisfaction score on branch visit surveys, measured against team and regional benchmarks.
• Typical tools: teller transaction platforms (commonly FiServ or Jack Henry); CRM and account management systems (commonly Salesforce or proprietary bank platforms).

• Base Salary Range: $36,000 to $50,000 annually, depending on market and experience.
• Bonus: Annual performance bonus tied to individual and branch referral goals.
• Equity: Not typical at this level in retail banking.
• Health Benefits: Medical, dental, and vision coverage; employer contribution standard.
• PTO: 10 to 15 days annually, plus federal bank holidays.
• Common Perks: Employee banking fee waivers, tuition reimbursement, structured career pathing to Licensed Banker.

Figures are estimates based on general US market benchmarks and may be outdated. Adjust based on location, company size, and seniority level.

Background check completion, including criminal history review and credit history verification consistent with applicable law, is a condition of employment for this role. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other characteristic protected under federal, state, or local law. Reasonable accommodations are available to applicants and employees with disabilities upon request. Candidates must be authorized to work in the United States.

The Associate Banker delivers exceptional customer experience across branch transactions, new account openings, and technology self-service education within Chase's retail branch network. Working alongside team members and other lines of business, the Associate Banker shapes financial outcomes for clients by matching them with the products and tools that meet their goals.

Key Responsibilities

• Engage clients as they enter the branch by welcoming them and making them feel appreciated, including managing lobby traffic, checking clients into the waiting queue and scheduling/canceling client meetings.
• Help clients with everyday transactions such as reordering a debit card, setting up a direct deposit or helping update their address while maintaining established control standards.
• Ensure financial transactions are completed accurately and efficiently while complying with all policies, procedures and regulatory and banking requirements.
• Educate clients on the usage of technology self-service options such as leveraging the Chase Mobile App, Chase.com, and ATMs to complete their banking needs.
• Assist clients and the branch team by helping with new account openings when needed.
• Engage and partner with team members and other lines of business to offer the most appropriate products and tools to help clients meet their financial goals.

Education & Experience

• Minimum 6 months of customer service experience in retail, sales, or financial services.
• High School diploma or GED equivalent required.
• Prior experience in financial services, banking, retail, or client-facing customer service highly preferred.
• Ability to learn new technologies, products, and features with a strong desire to educate and connect customers to technology.
• Ability to make personal connections, engage customers, and remain courteous and professional in a team environment.
• Excellent interpersonal communication skills with strong attention to detail and time management.
• Active listening skills with drive, initiative, and confidence to provide financial options using a consultative approach.
• Eligible for Chase's full benefits package including health insurance and paid time off.

Reporting to branch leadership, the Associate Banker operates in a customer-facing capacity, generating revenue growth by meeting customer needs and maximising opportunities across all customer segments within HSBC's branch network. Partnering with Branch Specialist, Premier, and Wealth colleagues through proactive referrals, the Associate Banker builds a sustainable customer base and enables clients to access the full range of HSBC services.

Primary Duties

• Demonstrate sound understanding of HSBC products and services and articulate these to customers in an engaging and confident manner.
• Effectively question and listen to customers to fully understand both new and existing customers' financial circumstances and needs.
• Proactively drive referrals to Branch Specialist, Premier, and Wealth colleagues to ensure customers receive the best possible advice.
• Help customers understand how they can flexibly use HSBC services through Internet Banking, Phone Banking, and self-service points.
• Be proactive in building and creating a customer base through Customer Contact Lists, referrals, and walk-ins.

Qualifications & Experience

• Ability to handle difficult conversations on Anti-Money Laundering, sanctions, complaint handling, and estate planning to safeguard the bank.
• Passion for continuously delivering an outstanding customer experience with a personalised, friendly, and efficient approach.
• Effective communication skills to build strong professional rapport with customers.
• Ability to demonstrate understanding of customer requirements through effective fact-finding.
• Available to work 30 hours per week supporting branch hours Monday through Saturday from 9 am to 5 pm.

Sitting at the intersection of customer service and branch operations, the Associate Banker owns daily transaction processing, compliance with Bank Secrecy Act and Anti-Money Laundering requirements, and referral activity within a community banking center. Operating across teller functions, sales objectives, and team collaboration, the Associate Banker supports branch profitability by identifying unmet financial needs and connecting customers with appropriate products.

Duties

• Operate a transaction window daily and process proof transactions.
• Provide exceptional customer service, explain and promote bank products and services, and actively participate in the referral program to meet individual and branch-team goals.
• Follow bank policies, procedures, and security protocols to prevent bank and customer losses and maintain confidentiality of customer and bank information.
• Resolve customer complaints and maintain a conversational level of knowledge of products and services.
• Open, close, and allow customer access to safety deposit boxes following specified procedures.
• Work collaboratively with the banking team to achieve customer service and sales objectives and participate in banking center sales activities, huddles, and meetings.
• Maintain an acceptable Cash Over and Short account, prepare Currency Transaction Reports and Monetary Instrument logs, and balance and replenish ATMs and coin machines as needed.
• Open and close the banking center according to bank security policy and comply with all Bank Secrecy Act/Anti-Money Laundering requirements and consumer protection laws.

Skills & Qualifications

• High School Diploma/GED required.
• 1–3 years of customer service and sales experience; previous teller or cash handling experience preferred.
• Experience working in a team environment and providing high-quality customer service.
• Ability to count and balance cash with strong attention to detail.
• Ability to read and interpret documents such as policy and procedure manuals.
• Knowledge of MS Office, Windows, and ten-key calculator.
• Must complete referral training annually.

Embedded within Barclays UK Corporate Banking, the Associate Banker supports the growth of one or more relationship managed portfolios by developing and maintaining client relationships and championing digital self-serve solutions. Working closely with Bankers and fellow Associate Bankers, the Associate Banker builds the product knowledge and commercial skills needed to deliver good client outcomes and advance toward a career as a Corporate Banker.

Core Functions

• Support Banker(s) to proactively develop and maintain new and existing client relationships, assisting in delivery of good outcomes for clients and the business.
• Improve and maintain high Client Satisfaction scores by providing exceptional service.
• Develop a working knowledge of key Corporate Banking products applicable to your segment.
• Support client meeting preparation and attend meetings with Banker(s) where appropriate.
• Ensure servicing activity is directed towards the appropriate contact point and educate clients to use correct servicing channels, championing digital self-serve solutions.
• Undertake timely Client Service Reviews and maintain accurate client records in Salesforce.
• Take ownership in handling client complaints and ensure conformance with regulatory complaints policy.
• Initiate and manage the onboarding of new client relationships.

Required Qualifications

• Experience delivering results through building client relationships.
• Experience in a client service and communication-focused role.
• Knowledge of Corporate Banking, credit risk, or AML risk is desirable but not essential.
• Ability to develop good relationships with customers and internal colleagues.
• Strong planning, organisation, and drive to achieve commercial success and results.

A key member of the BNSE-2 Corporates Unit at the EIB in Luxembourg, the Associate Banker owns the origination, appraisal support, and post-signature monitoring of debt and corporate finance transactions across the corporate lending portfolio. Collaborating across Risk Management, Legal Services, Compliance, Treasury, and external counterparts including industry associations and financial advisors, the Associate Banker enables high-quality lending outcomes aligned with EIB Risk and Policy Guidelines.

Accountabilities

• Support origination and execution of debt and corporate finance transactions.
• Monitor corporate sector trends and developments in corporate lending products.
• Support development and maintenance of relationships with existing and future clients as well as industry organisations, financial advisors, and financiers.
• Support and monitor the appraisal process in collaboration with EIB Risk Management, Projects Directorate, Legal Services, Compliance, Transaction Monitoring, and Treasury.
• Work closely with potential clients to develop financing structures that meet EIB Risk and Policy Guidelines and support clients' financing strategies.
• Undertake financial and risk analysis, support preparation of risk pricing proposals, and draft financial reports, lending proposals, and approval documents in cooperation with the Project Team.
• Support and coordinate negotiation processes with borrowers, external legal advisors, and internal counterparts.
• Follow up and monitor transactions, including fulfilment of conditions and post-signature events, to maintain loan portfolio quality.
• Participate in technical working groups and other initiatives as the Division's representative.

Education & Experience

• University degree, preferably in Finance or Economics.
• Minimum 3 years of relevant experience in the financial sector, preferably in corporate banking or finance.
• Solid knowledge of financial analysis and experience in corporate credit risk assessment.
• Exposure to customer relationship management and willingness to engage and manage relationships at all levels of client organisations.
• Good knowledge of standard computer tools.
• Excellent written and spoken English and/or French; knowledge of German, Swedish, Finnish, or Danish is a definitive advantage.

Profitable client relationships and branch revenue growth depend on the Associate Banker, who builds new and expands existing account relationships through cross-selling deposit, loan, and investment products across retail, commercial, and mortgage lines of business. Based within the retail branch team, the Associate Banker serves as an initial sales and service contact for new and existing clients while supporting less experienced staff and representing the bank in the community.

Job Functions

• Perform daily responsibilities including cross-selling bank products, opening and closing accounts, servicing customers, processing stop payments, wire transfers, telephone transfers, check orders, special account instructions, and general file maintenance.
• Execute the sales process including opportunity management, needs assessment, pitching, fulfilment, and follow-up to deliver distinctive customer service on each interaction.
• Meet or exceed sales goals set by branch management through effective cross-selling of bank products and services to current and potential customers.
• Perform daily office tasks including account transactions, account maintenance, customer correspondence, balancing, monitoring cash items, ordering cash shipments, and collection items.
• Maintain a balancing record in line with policy, find and correct outages, and assist in the review of daily reports.
• Provide access and servicing to safe deposit box customers and refer sales opportunities to other lines of business.
• Follow policies, procedures, regulations, confidentiality requirements, and operational controls, including opening and closing the branch as needed.
• Maintain knowledge of all products and services, continuously increase skills through self-motivation and training, and support new and less experienced staff by answering questions and resolving customer issues.
• Actively participate in bank promotional events and community representation to support sales and service goals.

Experience & Qualifications

• High School Diploma or equivalent required.
• Minimum one year of related experience in retail banking and/or sales.
• In-depth knowledge of banking policies, procedures, and regulations to perform duties with minimal supervision.
• Extensive cash handling experience requiring ability to perform basic math functions.
• Ability to present a professional image, communicate effectively in oral and written form, and work well in a team environment.
• Ability to establish leadership presence, take initiative, and apply sound judgment in decision-making and problem-solving.