Banking Customer Service Job Description

Banking is one of the most prominent sectors within the service industry. Although banks have undergone tremendous changes in terms of its nature of transactions and facilities, the core responsibility of every bank remains the same. Banks operate with mainly two functions - keeping deposits and lending loans. Banks cater to the financial needs of all customers - rich or poor. A dedicated customer service representative is thus appointed by the bank to make sure every customer is well looked after. There may be some customers who are ignorant about the facilities available in banks and the ways to use them. Also, it is vital that the customers are conveyed about the new branches and facilities started by the banks. Also, banks must reach out to all the potential customers and convince them about the bank's facilities. The entire responsibility of performing these functions lies with the customer service representative. He ensures customer satisfaction by helping them all avail the services of the bank. Here are the major banking customer service responsibilities.

For resume help, see our Banking Customer Service Resume

Primary Responsibilities Of Banking Customer Service

Greet the customers when they enter the bank and ask them if they need any assistance.
Resolve queries, understand the customer's requirements, and direct him to the appropriate desk.
Explain the several facilities provided by the bank and teach the customers how they can avail each facility.
Provide the forms to be filled for availing the facilities such as account opening, loan processing, locker facility, etc.
Update the customers on the progress of their application requests.
Assist the customers with the documentation required for completing the banking transaction. Help them arrange the documents in the right order while presenting them for the approval.
Promote various financial products sold by the bank and help the customers make the right choice as per their budget.
Tackle all the complaints registered with the customer service desk. Provide practical solutions to the aggrieved customers or forward the complaints to higher authorities for resolving.
Verify the contact details of the customers periodically and update the records with the changes.

Secondary Responsibilities

Respond to the queries made via e-mails and telephone calls and answer queries satisfactorily.
Update the bank's website with the bank's latest developments - expansion plans, launch of facilities, etc.
Set up appointment of the customers with the bank authorities over telephone
Receive feedback from the customers. Forward the complaints and suggestions of the customers to the manager.
Assist other bank clerks during the rush hours and perform duties as requested by them.

If you think this job profile suits your requirements well, then you might as well begin your career working on this profile. One needs to be well versed with the banking procedures and requirements. It is vital that you update your knowledge continuously, so that you give authentic information every time. Also, you need knowledge about the several documents required for transacting the banking processes. Although there are no rigid educational qualifications requirements, there are certain skills that are expected in a candidate: communication skills, problem solving abilities, proficiency in numbers and with documentations, crisis management capabilities, etc.

Working as a customer service representative will provide you a quick-start for a banking career. It will make you familiar with the banking procedures and work ethics and will give you a platform to acquire expertise in the banking sector. This experience can open up several opportunities for you to make a career in the banking field.

Banking customer service responsibilities are vital for the success of a bank, as they assure consumer satisfaction and retain the customer's loyalty towards the bank. Hence, start your career working as a bank customer service officer and carve you path in the banking sector.