Clerical Officer in Bank
A Bank Clerk, also known as the teller, is a financial service professional. He / She serves as the primary point of contact for most bank customers, administering basic banking transactions and answering most questions. This role is an entry-level position.
Almost all the Public and Private Sector Banks recruit aspirants for the clerical vacancies. A huge number of Bank Clerk vacancies created every year.
Duties & Responsibilities of a Bank Clerk
There are various other clerical roles you could become involved in as a bank clerk to help keep the bank in order. Like any other business, banks need help with general tasks, such as data entry, filing, mail handlers, and messengers.
A Bank Clerk accepts deposits and cashes checks, paying money to customers after validating the signatures on the check and fund availability.
1. When handling withdrawals, He / She verifies customer signatures and examines their photo identification to ensure their validity.
2. He / She records all transactions made by entering notes into the bank’s computer system, accepts loan payments on behalf of her employer’s lending department.
3. He / She answers all customer questions and resolves any issues or problems with their accounts, referring the issue to the branch manager if necessary.
4. He / She promotes and educates customers on the bank’s products and services, such as credit cards, money market accounts and individual retirement accounts (IRAs).
5. He / She also ensures that the balance of her money drawer is accurate.
As a bank clerk, you will be in any of the departments as follow:
Interest Clerk: Recording interest owed to saving accounts customers and interest owed to the bank from loans and other investments.
Loan Clerk: Recording and organizing loan information.
Statement Clerk: Preparing the monthly balance sheets of checking account customers.
Exchange Clerk: Working on international accounts, translating foreign currency into pounds sterling and vice versa.
Security Clerk: Recording, filing and looking after stocks, bonds, and other investment documents.
Book-keeping Clerk: Taking care of records for each customer’s account.
Required studies and skills of a Bank Clerk
Usually, a bank clerk will need not only college but also a superior education level, which can be any faculty related to the economic field (Economics, Finances, Marketing, Management, Accountability, etc).
Educational Requirements of a Bank Clerk
To gain employment as a Bank Clerk, a candidate must own a degree or equal. While not typically required, employers tend to favour those who have a four-year degree, preferably in accounting, finance or a related field of study.
He/ she must be speedy in mathematics and also be able to use the computers and other electronic equipment.
To be a Good Bank Clerk, you must have:
The ability to work neatly and accurately
Good written and verbal communication skills
Good numeracy and calculation skills
Good IT skills and computer literacy
An honest and trustworthy nature
Good attention to detail