Quote:
Originally posted by bucutie02
Hey everyone--
Just wondering if any of you have been tellers before. I am just wondering what is involved and if you enjoyed it. I am majoring in Finance, and graduating this year. I have worked for a montessori school the last 5 years. I work in the office, but really have no experience in banking at all.
Since I will be graduating in December, I would like to get a job in my field. I figured going into banking would be a good idea. I dont mind starting at the bottom, which is something we all do anyway and I dont have any experience to request anything else.
I have been on two interviews for the same bank, but different locations. One position I did not get, and the other I am still waiting on. During the interview they talked a lot about sales. I've worked at Bath and Body works for only a few months, so that is not on my resume, but that is something I don't feel I am very good at. I do not like bugging people, and feel like I don't have a good technique for selling. This was the reason I left bath and body works, I dont like retail. So, another question I am wondering about is, how much of being a teller has to do with sales.
I really do not like where I am at right now because they basically treat each employee like crap, they offer no benefits, and even full time employees do not get raises. This is definitely not somewhere I want to be. Hopefully the teller position works out for me, but I also would like to get some information about it from people who have been tellers before.
Thanks!
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Conduct financial transactions between customers and the Bank, handle routine customer inquiries and problems and maintain favorable customer and employee relations by performing the following duties.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.
Follow customer service procedures to ensure they are met to the highest standard consistently.
Receive and process checking and savings account transactions; mortgage, consumer and commercial loan payments; Mastercard/VISA transactions. Note and verify significant information as required by Bank policy/procedure. Ensure that Bank procedures are followed when performing transactions on the teller machine and other equipment as required (encoder, CRT, etc.). Maintain favorable customer relations through proper handling of all collection and disbursement functions. Exercise discretion, judgment, and initiative regarding transaction problems and inquiries.
Maintain adequate working funds as required by Bank policy. Verify and balance assigned cash drawer daily with minimal cash variances. Assist in reconciling errors or discrepancies for self and other tellers.
Issue cashiers checks, travelers checks and money orders. Issue savings bonds and process the redemption of bonds. Receive Treasury Tax and Loan payments.
Open night deposit vault logging the contents in log book, distributing the contents to proper individuals and processing all deposits and other transactions using dual control at all times.
Process incoming mail transactions per Bank procedures.
As needed, purchase working money supply from vault.
May prepare (type) necessary forms for proper completion of Bank Secrecy Act requirement. Includes obtaining appropriate documentation from customer or non-customer.
Maintain DDA and savings acct signature card files. Insert new signature cards and purge cards on closed accts. Remove/replace signature cards on business accounts as necessary.
Receive and answer questions on Bank transaction services and procedures, maintaining good customer relations at all times. Discuss routine problems related to checking and savings transactions or Bank services. Direct customers to appropriate employees for answers to only the most complex problems or inquiries. Refer difficult questions to the Retail Services Super.
Assist customers with entry to their safe deposit box, ensuring all bank procedures are followed in the process.
Balance ATM, replenish cash supply and ensure the ATM is in working order.
Count, wrap and bag coins. Count and verify currency to sell. Balance or assist in balancing the working fund. Accumulate mutilated currency to be shipped out.
Ensure prompt, efficient and courteous service in the renting of and granting access to safe deposit boxes and storage space by providing professional, pleasant greetings, making eye contact, smiling and addressing the customer by name.
Verify access authority against safe deposit contract for each access request, exercising prescribed controls. Check booth or conference room after each use.
Accept and process payments for new boxes, renewals, drilling fees and lost key fees.
Input safe deposit information to manual and computer system according to established procedures. Purge files as appropriate.
Receive and answer telephone inquiries from customers and internal staff regarding customer and bank related accounts. Assist Bank personnel with questions on the status of accounts, bank statements, charges, interest, etc., in an efficient, courteous manner providing positive employee relations.
Maintain confidentiality of customer account information. Follow established policies and procedures in responding to inquiries and requests.
Have ability to identify customers' financial services needs and cross-sell services to meet those needs. Advise customers on promotional items and services.
Thorough product knowledge.
Understanding of regulatory compliance.
Refer customers to Personal Bankers, Loan Officers and Trust Officers.
NON-ESSENTIAL DUTIES & RESPONSIBILITIES include the following. Other duties may be assigned.
Work as a Teller at any given location.
SUPERVISORY RESPONSIBILITIES
There are no supervisory responsibilities in this position.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE
High school diploma or general education degree (GED); or one to two years related experience and/or training; or equivalent combination of education and experience.
Safe Deposit Boxes (BTCC Online)
Bank Secrecy Act – How to Comply (Annually: BTCC Online)
Bank Secrecy Act – Exceptions & Knowing Your Customer (BTCC Online)
Tellers: Cross-Selling – A Customer Service Skill
Principles of Banking/Banking Today (available online, correspondence, live NBA)
Business Etiquette (available online and live NBA)
Telephone Etiquette (available live NBA)
Dealing Effectively with Co-Workers (available online and live NBA)
Cross-Selling Deposit Products (available online and live NBA)
LANGUAGE SKILLS
Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.
MATHEMATICAL SKILLS
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
REASONING ABILITY
Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations.
OTHER SKILLS AND ABILITIES
Must have the ability to operate the following equipment: telephone, teller terminal, 10-key calculator, typewriter, personal computer and printer, copy machine, shredder, check encoder, coin machine, currency counter, step stool and/or ladder, multi-drawer file cabinet, microfilmer, laminator, fax machine.
KEY CONTACTS--Internal and External
Has daily contact with other Tellers.
Has daily contact with Teller Supervisor or Lead Teller.
Has daily contact with Bookkeeping regarding transactions and/or account problems.
Has moderate contact with Lending and other Bank departments regarding customer transactions or Bank services.
Has daily contact with Bank customers, their personal representatives, accountants, attorneys, etc., regarding transactions and responding to inquiries as part of the teller function.
Has occasional contact with various individuals at other financial institutions regarding check approvals, credit card cash advances, etc.
CERTIFICATES, LICENSES, REGISTRATIONS
Valid driver's license.
Able to be bonded by the Bank’s surety company.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to stand, use hands to finger, handle, or feel and talk or hear. The employee frequently is required to walk, and reach with hands and arms. The employee is occasionally required to sit; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
COMMENTS
Position may require the ability to work before or after normal business hours to attend various employee meetings and training sessions.
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