Senior Personal Banking Officer – Client Growth & Service

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

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.