For individual bank clients, goals come in nearly every shape and size. To help address all of them even more effectively, Kearny Bank has established a dedicated retail sales & development team. This new team reflects an emphasis on improved performance and service at each local branch, as measured by the quality of conversations with clients. For Kearny Bank, this means cultivating a more thorough understanding of each client’s needs and preferences, while seeking opportunities to further strengthen client relationships. “Our concept of sales is never about the quantity of products or services sold,” said Anthony Bilotta, Kearny Bank’s executive vice president / chief banking officer. “We want the experiences our individual clients have to continue evolving in a positive direction, throughout our entire retail banking network.” The degree to which bank clients have tremendously varied goals is addressed by the July 2019 Kearny Bank Personal Finances Poll, which focused on the financial concerns of New Jersey residents. Based on 1006 responses, six different answers – retirement, healthcare, other, housing, daily expenses, and education – were selected by at least 10% of respondents.