AVP, Personal Banking Officer

Ocean Bank; Miami (FL); On-site; USD 55,000 - 85,000; Full time

Job summary

Ocean Bank’s Brickell branch seeks a Personal Banking Officer to deliver personalized service across customer engagement and account maintenance. You’ll assist in managing client relationships, process transactions, and ensure CIP/BSA/AML compliance.

You will work with a team to grow DDA, deposits, loans, and referrals, open and service accounts, and support loan processing and HELOC when licensed. On-site in Miami.

Qualifications

• Associate’s degree in Business (Finance or Accounting).
• 4+ years of banking experience servicing customers in retail branch operations.
• Combination of education and experience will be considered.
• Bachelor’s Degree in Business Administration (Finance preferred) with banking experience.

Responsibilities

• Grow and manage a personal portfolio while supporting branch growth goals (DDA, deposits, loans, referrals).
• Assist in opening and servicing Personal and Business accounts, ensuring documentation is complete.
• Understand customers’ background and identify needs; clearly communicate solutions and product benefits.
• If licensed as an MLO, support HELOC applications and loan servicing.
• Meet annual production goals including DDA growth, deposit growth, new loan production, and referrals.
• Approve overdrafts, wire transfers, and over-the-counter transactions within approved limits.
• Support daily branch operations including opening/closing procedures.
• Identify customer needs and recommend appropriate banking products and services.
• Collaborate with internal partners to generate qualified referrals.
• Maintain up-to-date KYC profiles and ensure BSA/AML compliance.
• Provide a wide range of customer services including account maintenance, document preparation, and issue resolution.

Skills

Customer service

KYC compliance

Communication

MS Office

Cross-selling

Attention to detail

Team collaboration

Education

Associate’s degree in Business (Finance or Accounting)

Bachelor’s Degree in Business Administration

Job description

The Personal Banking Officer (Brickell) is responsible for delivering personalized service and support across all aspects of customer engagement, relationship management, and account maintenance within the branch. This role assists in managing client relationships and supports a variety of banking functions, including customer transactions, loan processing, credit analysis, overdraft and returned item handling, and general administrative tasks. The Personal Banking Officer must ensure full compliance with all applicable Customer Identification Program (CIP) and Bank Secrecy Act/Anti-Money Laundering (BSA/AML) regulatory requirements.

Responsibilities

• Grow and manage a personal portfolio while supporting overall branch growth goals (DDA, deposits, loans, referrals).
• Assist in opening and servicing Personal and Business accounts, ensuring complete and accurate documentation.
• Understand the customers’ background and identify the needs of potential ones; clearly communicate solutions and product benefits.
• If licensed as an MLO, support HELOC applications and loan servicing.
• Meet annual production goals which may include, but not limited to, DDA growth, deposit growth, new loan production, loan portfolio growth, credit card referrals, and other cross-selling products referrals.
• Approve overdrafts, wire transfers, and over-the-counter transactions within authorized limits.
• Support daily branch operations including opening/closing procedures.
• Identify customer needs and recommend appropriate banking products and services.
• Collaborate with internal partners (e.g., Residential Mortgage, Treasury Management) to generate qualified referrals.
• Maintain up-to-date KYC profiles and ensure compliance with BSA/AML regulations.
• Provide a wide range of customer services including account maintenance, document preparation, and issue resolution.

Qualifications

• Education/Experience:

Requirements

• Associate’s degree in Business (Finance or Accounting).
• 4+ years of banking experience required, directly related to servicing customers in retail banking branch operations.

Combination of education and experience will be considered.

Skills & Competencies

• Ability to understand and implement job related policies and procedures.
• Knowledgeable of internal bank operations (wire transfers, debits/credits and loan payments) and of banking products to cross-sell.
• Ability to handle financial transactions, fraud detection, and customer dispute resolution.
• Experience working in a team (sales and service), and high-quality service advocacy.
• Knowledge of the completion of KYC.
• Comprehension of banking laws and applicable compliance regulations.
• Must possess excellent verbal and written communication skills, interpersonal and organizational skills.
• Proficiency in MS Office Software, (Excel, Word, Outlook, Power Point, and Teams).

Preferences

• Bachelor’s Degree in Business Administration (Business, Finance preferred) with two (2) years of banking experience, directly related to servicing customers in retail banking branch operations.

Licenses/Certifications

• None

Job Posting Locations

In this role you can work onsite from Miami, Florida, United States