Retail & Personal Banking
These roles focus on providing financial services and products directly to individual consumers.
- Bank Teller: The primary point of contact for customers, handling daily transactions such as deposits, withdrawals, and cashing checks.
- Personal Banker / Banking Associate: Assists individual clients in identifying their financial needs, opening accounts, and providing basic financial advice.
- Branch Manager: Oversees the daily operations of a bank branch, manages staff, and ensures the branch meets its financial goals and compliance standards.
- Personal Banking Manager: Focuses on implementing policies related to personal banking services and managing the personal banking team.
Lending & Credit Analysis
These jobs involve evaluating the risk associated with lending money and managing loan processes:
- Loan Officer / Commercial Loan Officer: Guides individual or business customers through the loan application process and helps them choose suitable loan products.
- Credit Analyst: Assesses the creditworthiness of individuals or businesses applying for loans by evaluating financial statements and other data to determine risk levels.
- Underwriter: Assesses and manages the risk in written contracts, helping to determine if clients qualify for loans, mortgages, or insurance policies.
- Mortgage Advisor / Loan Originator: Specializes in helping clients obtain mortgages for property purchases.
- Loan Manager: Directs cash flow and manages the loan approval processes.
Commercial & Corporate Banking
These professionals cater to the financial needs of medium to large businesses and corporations:
- Relationship Manager: Builds and maintains strong relationships with corporate clients, offering tailored financial solutions such as financing and cash management services.
- Commercial Banker / Officer: Provides comprehensive banking services to businesses, including lines of credit, treasury services, and other financial advice.
Investment Banking & Capital Markets
These are high-stakes roles focused on raising capital, mergers and acquisitions (M&A), and trading:
- Investment Banking Analyst/Associate: Entry-level to mid-level roles focused on financial modeling, valuation, and preparing presentations for clients.
- Vice President (VP) / Director / Managing Director (MD): Senior-level roles responsible for leading deals, client acquisition, and overall profitability of the division.
- Equity Trader / Sales Trader: Buys and sells stocks, commodities, and other securities on behalf of the bank and its clients.
Operations, Risk & Compliance
These internal support roles are crucial for ensuring smooth and lawful operations across all banking sectors:
- Operations Officer / Manager: Manages the back-office processes, ensuring all transactions are processed correctly and internal policies are followed.
- Risk Manager / Analyst: Identifies, assesses, and mitigates financial and operational risks within the bank.
- Compliance Officer / Anti-Money Laundering (AML) Specialist: Ensures the bank adheres to all legal and regulatory requirements, preventing financial crimes.
- Internal Auditor: Evaluates internal controls and processes to ensure accuracy and efficiency.