Personal Banker Job Description

Personal bankers, in simple terms, offer personal service to a selected number of clients with specific requirements with respect to banking. Instead, one just needs to have a high school diploma, along with prior experience in customer service and sales, so that it is easy for him to deal with a variety of clients. For these banking professionals, the list of career prospects involves various opportunities right from the birth of an individual, up till their retirement. All in all, the following is a list of duties that make up for an all-inclusive job description of people in this field. It is for those innocent consumers who, sometimes, are tongue-tied over why were they charged a certain amount for free service, or which is the best loan service they can opt for, that the job of a ‘personal banker’ holds utmost significance. States such as California and New Jersey pay more than $50,000 to personal bankers, whereas, Texas and Ohio pay a little less ($40,000 p.a.) in comparison to the others. Not to forget, he is fully knowledgeable about the various services and offerings the bank has to put forth, so that the client easily fetches solutions and answers for irrelevant charges and inexplicable faults that he experiences, time and again.

Pay Scale

Their average salary ranges well between $30,000 and $45,000 annually, to start with. Today, in order to minimize complications and introduce maximum assistance, banks all over the world offer the service of personal bankers for their users. The following content proffers information about their job profile, salary range in the field of personal banking, and job outlook for those looking forward to make a career in banking; personal banking, to be precise.

Job Profile/Nature of Work

A personal banker does a number of things. The cut-throat competition between banks spurs demand for financial analysts and personal bankers, thereby, offering a number of career opportunities to banking aspirants. However, it also depends on the city, and the bank one is working in. For all individuals interested in the field of personal banking, the information presented above must have given a nudge in the direction of banking. The more skilled a personal banker is, the more banking job opportunities he creates for himself.

Educational Requirements

In order to qualify as a personal banker, a banking aspirant need not require a proper college degree. Take a look:. However, in a world so complicated, customers often get irritated by the intricacies the world of banking holds, thus, wishing they had an individual to assist them on a personal basis. As for now, job prospects are good, and salary range is all but disappointing for aspirants.

Primary and secondary responsibilities

Supervisory duties

Responding to customer needs and concerns

Quoting rates and programs for loan customer requests

Performing occasional sales reporting

Opening deposit accounts

Taking loan applications

Environmental and physical activities

Supporting fellow associates

Career Prospects

The banking industry is prone to deregulation more than any other economic sector. Hence, this allows banks to incorporate as many financial and insurance services to their clients. The Bank of America itself states that a personal banker, on an average, mints good $39,000 on an annual basis. However, many banks do require training in federal banking regulations, for the banking aspirant to have an idea of the kind of work he or she is going to deal with. At last, it’s totally your call to make the most of the never-ending career opportunities that the world of banking has to put forth.

Mergers, acquisitions, and unifications have taken up on more and more automated services, thereby, making it all the more difficult for a consumer to seek personal service with reference to banking. Bank of America considers these duties a must-have for every applicant who dreams of a successful banking career. To start with, he advises his client to invest in options that make up for the most lucrative bets. However, it would prove to be beneficial for the client only if the personal banker is well-versed with the money market rates, with zero flaws in the money market accounts. The personal banker is cognizant of the types of loans and mortgage alternatives that are available at the cheapest expense, and have full information on the current market trends. It is their duty to train the newbies in account representation along with other members of the branch, in order to effectively build up a team of skilled bankers. Lastly, he should be well-versed with all the banking bits and nuances, with the ability to deal with multiple clients at the same time.

With proficiency in areas of a teller, a safe deposit, vault, processing lines of credit, discoursing credit applications, the resume of personal bankers is incomplete without the mention of effective leadership, training and support. Banks may have introduced services such as twenty-four-seven toll-free calling, online banking, ATMs, et al, for their consumers to seek assistance Read More Here


Online Gambling: The Multi-Billion Dollar Addiction

Internet gambling attracts players for many different reasons. Unlike alcohol and drug addiction, the signs of internet gambling addiction are less visible. Online gambling comes in many forms ranging from betting on sports to casino-style gaming sites that offer live nationwide tournaments. Overall, 15 million people nationwide are affected by some type of gambling problem and a great deal of these problems include online gambling addictions. There is nothing wrong with wanting more but there is a problem when wanting more costs you everything that you now have.

Online gambling addiction has been on the rise for over ten years now. The internet gambling addiction slowly begins to control the world in which one lives, compulsive gamblers typically end up spending every last dime they have, pawning off personal valuables, maxing out credit cards and taking out loans, all in the hopes of making back what they have lost, waiting for that one big win. Instead of a change that brings hope, wealth, and happiness it is a change that brings, despair, desperation, and depression after realizing the situation they have gotten themselves into by forming an online gambling addiction.

Online gambling addition affects people of all races, gender, and age. The mere fact that internet gambling is simply at the touch of ones fingertips is enough to draw in billions of players across the world, many of who will form online gambling addictions. It is currently estimated that over 2,000 sites offer some type of online gambling. Internet gambling offers flexibility, immediate access, 24-hour gaming, and real life interaction with other players- not to mention the possibility of striking it rich! Unfortunately, the probability of winning a decent amount of money is very slim. Many who suffer from compulsive online gambling addiction will not admit they even have a problem, some don’t even acknowledge that a problem exists making it harder to get them to accept gambling addiction help or treatment for their online gambling problems. Few online gambling addicts will ask for help or seek gambling addiction treatment. According to H2 Gambling Capital, 2008 brought in an astounding nationwide revenue of $21.0 billon. This goes to show that those who have less tend to want more and will often do anything they can to get it, this is the type of mentality that may lead to online gambling addiction. Many steps can be taken to get a gamblers life back on track, they don’t have to lose it all before they realize the destructive path that they are on. If you feel that you or someone you love may have a severe problem seek gambling addiction help immediately before things get further out of hand. In fact one in every five pathological gamblers attempts suicide. However, the Gambling Commission states that most problem gamblers tend to be males between the age of 18 to 44. The questions below, provided by Gamblers Anonymous, could help you to decide if someone you care about may have an online gambling addiction.

Underage Teens and Online Gambling: The New Generation of Addiction

1) Did you ever lose time from work or school due to gambling?

2) Has gambling ever made your home life unhappy?

3) Did gambling affect your reputation?

4) Have you ever felt remorse after gambling?

5) Did you ever gamble to get money with which to pay debts or otherwise solve financial difficulties?

6) Did gambling cause a decrease in your ambition or efficiency?

7) After losing did you feel you must return as soon as possible and win back your losses?

8) After a win did you have a strong urge to return and win more?

9) Did you often gamble until your last dollar was gone?

10) Did you ever borrow to finance your gambling?

11) Have you ever sold anything to finance gambling?

12) Were you reluctant to use “gambling money” for normal expenditures?

13) Did gambling make you careless of the welfare of yourself or your family?

14) Did you ever gamble longer than you had planned?

15) Have you ever gambled to escape worry, trouble, boredom or loneliness?

16) Have you ever committed, or considered committing, an illegal act to finance gambling?

17) Did gambling cause you to have difficulty in sleeping?

18) Do arguments, disappointments or frustrations create within you an urge to gamble?

19) Did you ever have an urge to celebrate any good fortune by a few hours of gambling? 20) Have you ever considered self destruction or suicide as a result of your gambling?

Most compulsive gamblers will answer yes to at least seven of these questions.

In today’s economy many people are looking to make money any way that they can, the economy is down but internet gambling is up, why? Because people want the money, they want the win, they want to make their lives better and they end up getting caught up in a concept, reaching for the often unattainable dream and losing all sight of reality. However, internet gambling addiction is only a part of a growing nationwide problem. The NCPG can also suggest where to get gambling addiction treatment. Most have good intent, seeking a better way of life but the online gambling addiction soon takes over and it is difficult to escape.

Many times compulsive gambling addiction can lead to thoughts of suicide. It has been shown that those who make less than 10,000 a year are more likely to become compulsive gamblers than those who make over 50,000 a year. These questions are provided to help the individual decide if he or she is a compulsive gambler and wants to stop gambling.

Online gambling made it’s debut in August 1995 and has now become the fastest growing industry on the internet today, which is likely why online gambling addiction is growing so rapidly. A great place to start is by contacting the National Council on Problem Gambling at 1-800-522-4700 they can provide you with the gambling addiction information that you will need. Furthermore, Read More Here


All about Online Casino Gaming


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Online casino gaming is a thriving industry. Online gaming has become an addiction for numerous people. On the internet you can find a wide array of casino games. You can play online casino games right from the comfortable zone of your home. The casino gaming lovers can enjoy to the hilt by playing online casino games in the online casinos. Plethora of online casinos can be found on the internet.

In order to play online casino games it is advisable to install advanced and powerful anti-virus and anti-spyware programs. It is also recommended to opt for those online gaming websites that are licensed and legal. Moreover the reliable casino safeguards and secures your personal information completely without sharing with the third party. In order to spend your money wisely it is important to do a thorough research and choose the right casino website. Ensure that the chosen website offers a variety of casino games. Make sure that the casino offers good customer service. Also ensure the mode of payment of the online casino website that you opt for. It is imperative to read the terms and conditions of the online casino site.

Casino gaming includes all sorts of games like poker, baccarat, craps, roulette, backgammon, blackjack, etc. For different casino games different software are offered by the several online casinos. If you are a novice player in the field of casino gaming then in that case you can practice free online casino games. Moreover before playing online for money it is beneficial especially for the new players to practice free online casino games. By playing free casino games you can come to know about different gambling methods, you become familiar with odds, learn the effective strategies and acquire the skills that are required to win. Moreover your gaming ability also improves with the help of free online casino gambling.

Different casino games have their own rules and regulations. You can play online casino slot games and can win as much money from the comfort of your own home. You can choose the game of your choice that you want to play and then get started by playing it online. In case you want to download the casino game it is imperative to update your antivirus and anti-spyware software so as to avoid any kind of inconvenience.

Several online casinos offer attractive bonuses and promotions. Some casinos offer bonus to the player when they sign-up for the first time. The online casino games have better odds and there are more chances to win as compared to the land based casinos. Moreover with the help of online casino you can play at your own convenience and that too at anytime.

If you are in search of casino gaming websites then you can take the help of casino portals. Several well known online casinos make use of leading software that ensures they are trust worthy and reliable. A reliable online casino keeps your personal information safe and secure. Therefore it is recommended to do a thorough research regarding the best online casino website. Thus you can have the same fun, thrills and enjoyment in the online casino as offered in the real casino. Read More Here