Sep 14, 2018

Personal Banking Officer, Freeport Branch

  • Scotiabank
  • Freeport, The Bahamas
Full Time Banking & Finance Finance Marketing, Advertising & Public Relations Officer

Job Description

Job Title: Personal Banking Officer, Freeport Branch

Position Summary:

The Personal Banking Officer is responsible for contributing to the branch's overall success by achieving individual sales target through meeting the financial needs of mid-market retail customers by providing practical advice and superior customer service. In addition, the PBO will indentify referral opportunities to other areas of the business (Premium Banking, Small Business, Wealth Management, Corporate and Commercial) and comply with all operational policies and regulations.

Key Accountabilities for this role include:

  • Sale of customized financial solutions using a financial planning approach to meet retail customer needs:
  • Efficiently complete sales administration to minimize re-work and meet customer expectations in timeframes. 
  • Maintain current and thorough knowledge of product features, benefits, pricing policies and procedures for all retail products (inclusive of all insurance products), including legislation for which products can be sold in the branch.
  • Maintain a basic understanding of the local competitors offers, including leading rates in the market.


  • Delivery of excellent customer service and creating superior customer experiences by:
  • Presenting a professional image and ensuring service standards are maintained at all times.
  • Taking responsibility for customers' concerns/ complaints by resolving those matters within discretion.
  • Proactively managing any significant issues customers have with their banking services/ products. Take ownership of these issues facilitate a satisfactory outcome for the customer and with the help of internal partners, within agreed timeframes.


  • Compliance: Meet Regulatory Compliance, Anti-Money Laundering/Anti-Terrorist Financing and Bank policies and procedures for all products and services and Customer transactions by:
  • Applying the Know Your Customer (KYC) requirements including verifying and documenting customer identity, source(s) of funds and the nature of the activity that is to be undertaken.
  • Confirming accuracy of, and updating KYC information as applicable.
  • Ensuring bank and customer information is kept secure and confidential at all times.
  • Monitoring account activity, documenting and investigating significant or unusual transactions.
  • Advising customers on investments appropriate to their state goals, objectives, and risk tolerance.
  • Authorizing applications within policy and limits, provide sound recommendations to superiors for applications above authorized limits and/or to MDO/Supervising office for out of policy decisions that have merit.
  • Adhering to Bank and Branch security procedures with respect to assigned authorities and responsibilities.
  • Reporting any unusual occurrences or fraudulent KYC activity.

Educational Requirements:

  • University/college degree from a recognized institution in Marketing, Finance, Psychology or related subject area;
  • At least 2 years experience in a similar role

Functional Competencies:

  • Solid knowledge of financial planning and financial management
  • Solid knowledge of customer life cycle needs and current economic climate and political events
  • Professional selling and telemarketing skills a must
  • Thorough knowledge of commercial banking products and services
  • Strong relationship management skills
  • Strong customer service skills
  • Strong networking and interpersonal skills
  • Thorough knowledge of regulatory compliance and AML/ATF guidelines a must
  • Working knowledge of the marketplace in which the Bank operates
  • Knowledge of branch routines and operating procedures a plus

Qualified candidates should submit C.V. via email to:

Only persons short-listed for an interview will be contacted.