The term ‘banker’ refers to the people employed by banks and building societies, who are hired in a managerial capacity (junior, mid-level and senior). For the purpose of this article, the term ‘banker’ is used purely in the context of institutions that are engaged in conventional banking, i.e. accepting deposits, making loans and clearing transactions. We’re not here to talk about corporate bankers, who deal in merchant banking or investment banking.
These careers can be classified into two main categories: retail and commercial.
Retail bankers service the general public. The transactions that they are involved in are facilitated in branches across the country.
However, many retailing banking operations are now carried out using telephone helplines and Interactive Voice Response (IVR) systems. Transactions are also increasingly being processed through online systems (a.k.a. web-banking, net-banking or e-banking systems) and via people’s mobile phones (a.k.a. mobile banking).
Commercial bankers, on the other hand, deal with small companies and medium-d enterprises and provide them with banking services which help them to manage and grow their businesses.
Across the board, bankers provide services to facilitate a variety of financial transactions and help clients to take advantage of a range of financial products, such as loans, bank accounts (e.g. savings, current, overdraft, fixed/recurring deposits and trading accounts) and cash, cheque, electronic and card transactions (e.g. deposits, withdrawals and purchases).
These guys also advise customers on utilising idle liquid cash in their accounts to earn higher interest rates or make investments in products such as insurance, shares, bonds and mutual funds.
Bankers act as the face of the organisation in their local community. They manage junior staff, serve customers in branch, over the phone and via the internet, set sales targets for lower level employees, manage the recruitment process and complete management reports and other paperwork as required
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