Manx Technology GroupSmart Island
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Personal Banker

Full TimePermanentNot specifiedFinance
Posted 15 March 2026Closes 25 March 2026

Job Description

Apply via : https://smrtr.io/xCCgW - Job Description: To operate as the first point of contact and provide an exceptional level of service to International Personal Banking (IPB) clients through a number of channels (Phone, e-mail & face to face) within the team, offering financial solutions to clients within defined parameters and governance processes. Always operate with a mindset on client centricity and continuous improvement. Minimum Qualification: Secondary/High school/A levels/Matric. Experience Required : 1 - 2 years experience in Personal and Private Banking. Ideally has experience in either a similar Banking/Financial role or has a strong level of customer service experience. Key Outputs: Act as the first point of client contact for any notice to close instructions, and interact with the BCU to resolve posting restriction issues. Act as the point of referral for more complex BCU related queries, handing off the interactions relating to deceased clients and fraud. Adopt a positive attitude to change and be part of the team’s engagement to ensure a positive adoption of change related project outputs. Build relationships with IPB customers by understanding the customer and servicing the customer needs appropriately. Engage proactively with other departments, keeping up to date with professional reading, completing internal training requirements, attending lunch and learn sessions and pro-actively understanding end to end processes. Behavioural Competencies: Adopting Practical Approaches. Embracing Change. Examining Information. Following Procedures. Interacting with People. Upholding Standards. Technical Competencies: Active Listening. Contact Centre Customer Relationship Management. Difficult Calls Management. Query Resolution. Telephone Caller Handling. Verbal Communication.

Automation Risk

Automation probabilityi55%
AI exposure (AIOE)i68%

Many routine and semi-structured tasks, such as account opening and query routing, are increasingly automated by digital banking platforms and workflow tools. However, tasks requiring empathy, complex judgment, and relationship-building with clients remain resistant to full automation, though AI can augment many aspects of service delivery and compliance monitoring. Overall, the role is moderately exposed to both automation and AI augmentation.

Task analysis

  • Act as the first point of contact for IPB clients via phone, email, and face-to-face channels.
  • Assist clients with account opening, closure, and service requests within defined parameters and governance processes.
  • Refer complex queries, such as those involving deceased clients or fraud, to appropriate bank units.
  • Build and maintain relationships with IPB customers by understanding and servicing their needs.
  • Engage proactively with other departments to resolve posting restriction issues and ensure seamless service.
  • Keep up to date with professional reading, complete internal training, and attend knowledge sessions.
  • Handle difficult or sensitive client calls, including notice to close instructions and complaints.
  • Ensure compliance with regulatory and governance processes in all client interactions.

Automatable AI-assisted Human-only

Occupational Classification

🇬🇧 UK Skilled Worker Visa Eligible
UK SOC2020: 4124Banking and Related Customer Service Occupations
O*NET: 43-4141.00 New Accounts Clerks
AI analysis: 16 March 2026

UK Salary Benchmark

Financial service activities, except insurance and pension funding · ONS ASHE 2024 annual earnings

scale £90k
UK sector median
£58,597
UK sector mean
£86,468
£0£23k£45k£68k

👤 For Candidates

AI & future-of-work guidance

🤖 Enhance with AI

  • Use AI chatbots to handle basic client queries efficiently
  • Leverage CRM analytics for personalised client engagement
  • Automate compliance checks using workflow tools

📈 Disruption outlook

15%1 yr
38%5 yrs
65%10 yrs

% risk of significant disruption

🎓 Learn now

📚 For full-time, part-time & evening courses on the Isle of Man, visit University College Isle of Man (UCM)

🏢 For Employers

Strategic hiring options & technology alternatives

🔄 Alternatives

🤖 AI AgentDigital Banking Chatbot

Automates routine account queries and information requests

💻 TechnologySelf-Service Portals

Enables clients to manage accounts without staff intervention

Recommendation

🔀 Hybrid approach

Routine tasks automatable, but client relationships require human empathy and judgement

Microsoft Copilot & M365

Copilot for Outlook

Draft client emails and summarise conversations

Power Automate

Streamline account opening and compliance workflows

Copilot for Teams

Coordinate with departments and track client issues

Key Skills

Customer and Personal ServiceAdvancedClient Relationship ManagementAdvancedAttention to DetailIntermediateCritical ThinkingIntermediateRegulatory ComplianceIntermediateStakeholder ManagementIntermediateTeamworkIntermediateActive ListeningAdvancedSpeakingAdvancedMicrosoft OfficeIntermediateFraud AwarenessIntermediate

Knowledge Areas

Customer Relationship ManagementFinancial Services IndustryRegulatory ComplianceEconomics and AccountingAdministrative ProceduresReporting and DocumentationBusiness Ethics and Professional Standards

O*NET Competency Skills

Active ListeningSpeakingReading ComprehensionService OrientationSocial PerceptivenessCoordinationCritical ThinkingMonitoringJudgment and Decision MakingPersuasionWriting

Alternative Career Paths

Relationship Manager82% match

Manages a portfolio of high-value clients, providing tailored banking solutions and deepening client relationships.

Compliance Analyst70% match

Monitors and ensures adherence to regulatory requirements within banking operations.

Financial Advisor75% match

Provides clients with financial planning and investment advice based on their needs and goals.

Contact Centre Supervisor65% match

Leads a team of customer service representatives in a banking contact centre environment.

Also Consider

🔥 Hot Technologies

In-demand tools for this occupation (O*NET)

Microsoft ExcelMicrosoft PowerPoint

Work Activities

General work activities from O*NET

  • Getting Information
  • Communicating with Supervisors, Peers, or Subordinates
  • Establishing and Maintaining Interpersonal Relationships
  • Evaluating Information to Determine Compliance with Standards
  • Making Decisions and Solving Problems
  • Performing for or Working Directly with the Public
  • Resolving Conflicts and Negotiating with Others
  • Working with Computers
  • Monitoring Processes, Materials, or Surroundings
  • Processing Information
  • Updating and Using Relevant Knowledge
  • Identifying Objects, Actions, and Events
  • Communicating with People Outside the Organization
  • Organizing, Planning, and Prioritizing Work
  • Selling or Influencing Others

Anthropic Economic Index

Real-world AI adoption data from millions of Claude conversations · Dataset ↗

CC-BY Research

Observed Claude Usage

0%

of conversations

Classic Auto. Risk

99%

Frey & Osborne

Job Zone

2/5

Some prep

O*NET Median Salary

£28k

US ref. $36k · fx 0.79

Occupational family: Office and Administrative Support

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