This post provides detailed information on the Bank of America relationship banker job description, including the key duties, tasks, and responsibilities that they commonly perform.
(You will be able to download the Bank of America relationship banker job description template in pdf below.)
It also highlights the major requirements that you may be expected to fulfill to be hired for the Bank of America relationship banker role.
What Does a Bank of America Relationship Banker Do?
The Bank of America relationship banker is responsible for both service and sales: they support everyday banking transactions, help clients adopt digital tools, and also engage in deeper conversations to understand clients’ needs so as to steer them toward appropriate banking products and services.
At Bank of America, the relationship banker role is framed within their purpose: “to help make financial lives better through the power of every connection.”
As such, the Bank of America relationship banker job description is designed to ensure that both operational excellence and client-experience leadership are delivered.
Key Duties and Responsibilities
Here is a breakdown of the principal duties and responsibilities that typically make up the relationship banker job description at Bank of America, with explanation and context.
1. Client Engagement & Relationship Building
- The RB engages clients when they visit (in the lobby or branch) and proactively through outreach (e.g., outbound calls, appointments) to deepen relationships.
- They have “deep conversations” with clients to uncover their financial and life priorities, so they can match clients with solutions (products, services) that meet those needs.
- They educate clients on self-service channels (mobile banking, online banking, ATM) and promote their usage, enabling clients to transact more efficiently and freeing up branch capacity.
- They build networks internally (for referrals) and externally (for business development) — e.g., connecting with small business, lending, and investment specialists.
2. Transactions & Operational Responsibilities
- Bank of America relationship bankers manage cash responsibilities and transaction processing when required: e.g., cash deposits/withdrawals, teller-like duties when needed or in low staffing.
- They manage lobby/branch traffic, appointments, and inbound/outbound outreach to keep the center running smoothly.
- They execute the bank’s “risk culture” and ensure regulatory, compliance and operational policies are followed.
This includes safeguarding client information, following transaction protocols, adhering to banking regulations, etc.
3. Sales, Referral & Growth
- The RB is expected to play a role in driving the growth of the branch by identifying opportunities, cross-selling or referring clients to higher-level solutions (lending, wealth management, or small business services).
For example: when they identify that a client might benefit from a small business loan, they must connect them to the relevant specialist.
- They are expected to learn about product offerings (deposits, credit cards, loans, investment services) and match them to client needs.
They also need to stay current with market/competitive knowledge.
- The relationship banker duties may include outbound calling, appointment setting, pipeline management, referral tracking – and the RB may have individual goals tied to growth activities.
4. Client Experience & Digital Adoption
- As Bank of America emphasizes both digital and in-person banking, the RB supports clients in adopting digital tools and self-service options (mobile app, online banking, and ATMs).
This helps improve the client experience and operational efficiency.
- They serve as ambassadors of the bank’s mission and brand: ensuring clients have a positive experience from first contact onward.
This means being client-focused, friendly, solution-oriented.
5. Compliance, Risk & Process Integrity
- The Bank of America relationship banker must adhere to established processes and internal controls, including regulatory requirements (e.g., identity verification, money-laundering rules), bank policies, cash controls, etc.
- They must act in the best interest of both the client and the bank – meaning making decisions that align with ethical standards and the bank’s risk culture.
- Operational excellence is a repeated expectation: relationship bankers must ensure accuracy in transactions, minimal errors, and efficient handling of branch operations.
Bank of America Relationship Banker Job Description Example/Sample/Template
Here are the key duties, tasks, and responsibilities that commonly make up the Bank of America relationship banker job description that employers can use as a template in making a job description for similar position in their companies:
- Greet clients warmly and build strong, trusting relationships
- Conduct conversations to understand clients’ financial goals and priorities
- Provide personalized banking solutions and product recommendations
- Follow up with clients through calls, appointments, or digital channels to maintain relationships
- Connect clients with specialists in lending, small business, or investments when needed
- Identify opportunities to cross-sell and refer bank products and services
- Meet or exceed branch sales and referral goals
- Promote checking, savings, credit card, and loan products that match customer needs
- Assist in growing the client base through outreach and local community engagement
- Maintain accurate sales records and update client information in CRM systems
- Educate customers on Bank of America’s digital banking tools (mobile app, online banking, ATMs)
- Help clients set up and navigate digital banking platforms
- Encourage self-service adoption to enhance convenience and reduce in-branch wait times
- Process basic financial transactions such as deposits, withdrawals, and payments
- Assist clients with account opening, maintenance, and updates
- Manage cash drawers accurately and follow cash-handling procedures
- Support daily branch operations and help manage lobby traffic efficiently
- Ensure all transactions are completed with accuracy and speed
- Adhere to all banking regulations and internal compliance standards
- Verify customer identification and ensure anti–money laundering (AML) requirements are met
- Maintain confidentiality of client information and uphold ethical standards
- Follow Bank of America’s risk management and audit procedures
- Provide exceptional service that raises  client satisfaction and loyalty
- Resolve customer inquiries, complaints, and service issues promptly
- Represent Bank of America’s values and mission in every client interaction
- Participate in team meetings and share feedback to improve branch performance
- Work closely with branch teammates, including tellers and financial specialists
- Support overall branch performance goals and daily operations
- Collaborate with leadership to identify service improvements and growth strategies
- Stay updated on new products, services, and compliance requirements
- Participate in ongoing training and coaching sessions
- Continuously develop sales, customer service, and digital banking skills.
Bank of America Relationship Banker Requirements: Skills, Knowledge, and Abilities for Career Success
Here are important requirements, including skills, abilities, knowledge, education, and experience needed to become a relationship banker at Bank of America, which are also helpful in achieving success on the job and career:
- Strong understanding of banking products and services (checking, savings, credit cards, loans, etc.)
- Basic knowledge of financial principles and customer service operations
- Familiarity with digital banking platforms and emerging financial technologies
- Awareness of banking regulations, compliance standards, and risk management procedures
- Knowledge of sales techniques and customer relationship management practices
- Understanding of branch operations and cash-handling processes
- Proficiency in using banking software, CRM systems, and digital tools
- Ability to navigate and teach clients about online and mobile banking
- Skilled in cash handling, transaction accuracy, and data entry
- Strong organizational and multitasking abilities to balance sales and service duties
- Excellent communication and interpersonal skills for engaging with clients
- Strong listening and problem-solving skills to identify customer needs
- Persuasive sales and negotiation ability for cross-selling and referrals
- High level of attention to detail and accuracy in all transactions
- Time management and prioritization skills in a busy branch environment
- Adaptability to changing banking technology and client expectations
- Ability to build trust and long-term relationships with diverse clients
- Ability to work effectively in a team and contribute to branch goals
- Ability to analyze client situations and recommend appropriate financial solutions
- Ability to handle confidential information with integrity and professionalism
- Ability to work under pressure and meet performance targets
- Ability to educate and influence customers toward digital and financial literacy
- Minimum: High school diploma or GED
- Preferred: Associate or Bachelor’s degree in Business, Finance, or a related field
- Prior experience in banking, sales, customer service, or retail environments is a plus
- Experience working in goal-driven or incentive-based environments is highly valued
- Cash-handling or teller experience is advantageous
- Client-focused mindset with a passion for helping people
- Ethical and dependable approach to all financial interactions
- Proactive and self-motivated, with a drive to achieve branch and personal goals
- Professional demeanor and appearance consistent with Bank of America’s brand
- Positive attitude and resilience when handling customer or sales challenges.
Bank of America relationship banker job description template (pdf).
Bank of America Relationship Banker Job Description for Resume
If you are making a new resume or CV as someone who has worked before or presently working in the role of a relationship banker at Bank of America, then you can apply the above sample job description in making the Professional Experience part of the resume.
You can express the duties and responsibilities you have performed or currently carrying out in your resume’s Professional Experience section by applying the ones in the Bank of America relationship banker job description example provided above.
This will show to the employer that you have been successful performing the duties and responsibilities of a relationship banker, which can greatly increase your chances of getting hired for the new position that you are seeking, especially if it requires someone with some relationship banker work experience.
Conclusion
The relationship banker role at Bank of America is a multifaceted one combining client service, transaction processing, digital-tool adoption, and relationship depth and growth referrals.
It demands strong interpersonal skills, sales-orientation, operational discipline, and adaptability to digital change to achieve success in it.
For someone who enjoys working with clients, solving problems, and bridging service with sales, this position provides a solid foundation and stepping-stone in retail banking.
The job also offers meaningful impact – you are making clients’ financial lives better by connecting them to solutions tailored to them.
This post is helpful to individuals interested in the Bank of America relationship banker career, to learn all they need to know about what they do.
It is also beneficial to employers in similar industry as the Bank of America who need to make a job description for the relationship banker role for use in hiring competent individuals.
They can apply the Bank of America relationship banker job description template presented on this page in making a detailed and effective job description for the position in their companies.
