Teller Job Description

7/25/2019 Teller Job Description

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Teller Job Description

SUMMARY

Responsible for handling customer transactions at banks, including taking deposits, disbursing cash,

opening accounts, and investigating fees.

PRIMARY RESPONSIBILITIES

Process routine account transactions.

Open accounts, including savings and checking.

Help customers fill out deposit and withdrawal slips.

se adding machine.

Disburse mone! to customers.

"alidate the deposit slip and stamp it b! machine.

#heck for photo identification.

$ssist customers at the drive%through window.

&reet people warml! and direct them to appropriate bank personnel.

Handle loan pa!ments and cash checks.

'ell traveler(s checks and mone! orders.

#ollect loan and utilit! pa!ments.

Promote bank products.

Record all transactions.

Report suspicious activit! to police.

)*change foreign currenc!.

#ount cash at beginning and end of shift.

+alance currenc!, cash and checks in cash drawer at end of each shift.


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hat -s the Responsibilit! of a +ank Teller

/our 0ob responsibilities as a bank teller ma! var! depending on the bank !ou work for and how long !ou

have been working as a teller. +ecause !ou ma! be the first person customers see when the! enter a bank,

having strong communication and customer service abilities can help !ou succeed as a bank teller

Process Transactions

+ank tellers process customer transactions. 1or e*ample, the! cash checks and mone! orders, process

deposits into customer accounts and order checks for customers. The! also are responsible for checking

customers2 identification to verif! that customers are who the! sa! the! are, and that the! have authorit!

to access certain accounts.

$nswer -n3uiries

hen customers telephone banks, tellers ma! be responsible for researching customers( account

information and providing answers to their 3uestions. 1or e*ample, bank tellers generall! let customers

know their account balances, and when recentl! deposited checks and mone! orders will clear theiraccount for withdrawal. $t some banks, tellers ma! also answer customers( 3uestions about different

t!pes of accounts available at the bank.

'upervise 'taff

-f the! work as head tellers, bank tellers supervise other workers. 1or e*ample, the! might set work

schedules, train new tellers and approve tellers2 vacation re3uests. $dditionall!, should customers have

complaints about a bank(s services or the processing of a transaction, head tellers might work with

customers to resolve the issues.

+alance Teller Drawer

$t the end of the business da!, tellers count mone! in their drawers and ensure that the mone! balances

against mone! the! started the da! with and transactions the! processed for customers during the da!. -f

their drawers do not balance, tellers ma! work overtime re%calculating transactions and the cash in their

drawers until their drawers balance.

#onsiderations

)mplo!ers generall! re3uire bank tellers to have at least a high school diploma, according to the .'.

Department of 4abor(s +ureau of 4abor 'tatistics. The +4' also reports that the median annual wage

bank tellers earned as of 5a! 6788 was 96:,;


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'erves customers b! completing account transactions.

+ank Teller Job Duties=

Provides account services to customers b! receiving deposits and loan pa!ments> cashing checks>

issuing savings withdrawals> recording night and mail deposits> selling cashier2s checks, traveler2s

checks, and series e bonds> answering 3uestions in person or on telephone> referring to other bank

services.

Records transactions b! logging cashier2s checks, traveler2s checks, and other special services>

preparing currenc! transaction reports.

#ross%sells bank products b! answering in3uiries> informing customers of new services andproduct promotions> ascertaining customers2 needs> directing customers to a branch

representative.

#ompletes special re3uests b! closing accounts> taking orders for checks> opening and closing

christmas and vacation clubs> e*changing foreign currencies> providing special statements,

copies, and referrals> completing safe%deposit bo* procedures.

Reconciles cash drawer b! proving cash transactions> counting and packaging currenc! and

coins> reconciling loan coupons and other transactions> turning in e*cess cash and mutilatedcurrenc! to head teller> maintaining suppl! of cash and currenc!.

#omplies with bank operations and securit! procedures b! participating in all dual%control

functions> maintaining customer traffic surve!s> auditing other tellers2 currenc!> assisting in

certification of proof.

5aintains customer confidence and protects bank operations b! keeping information confidential.

#ontributes to team effort b! accomplishing related results as needed.

+ank Teller 'kills and ?ualifications=

#ustomer 'ervice, $ttention to Detail, &eneral 5ath 'kills, "erbal #ommunication, -ntegrit!, 'elling to

#ustomer @eeds, People 'kills, 1inancial 'kills, 1inancial 'oftware, Thoroughness, Documentation

'kills


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Job Duties and Tasks for: "Teller"

1) +alance currenc!, coin, and checks in cash drawers at ends of shifts, and calculate dail! transactions

using computers, calculators, or adding machines.

2) #ash checks and pa! out mone! after verif!ing that signatures are correct, that written and numerical

amounts agree, and that accounts have sufficient funds.

3) Receive checks and cash for deposit, verif! amounts, and check accurac! of deposit slips.

4) )*amine checks for endorsements and to verif! other information such as dates, bank names,

identification of the persons receiving pa!ments and the legalit! of the documents.

5) )nter customers2 transactions into computers in order to record transactions and issue computer%

generated receipts.

6) #ount currenc!, coins, and checks received, b! hand or using currenc!%counting machine, in order to

prepare them for deposit or shipment to branch banks or the 1ederal Reserve +ank.

Bank Teller Job Description

The sample bank teller jb !e"#r$%t$noutlines the t!pical tasks, responsibilities and re3uirements for abank teller 0ob.

+ank tellers hold the frontline 0ob in a bank as the! are the emplo!ees that customers generall! see andinteract with first. -t is a ke! banking position and e*perienced bank cashiers or tellers are in highdemand.

This 0ob description can easil! be adapted for !our specific banking 0ob.

&eneral P'r%"e

$ccuratel! and efficientl! process and record routine transactions for bank customers including cashingchecks, accepting deposits and withdrawals, processing loan pa!ments and mone! transfers. Promote andadvise on the bank2s products and services.


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Ma$n (b Ta"k" an! Re"%n"$b$l$t$e"

receive and count working cash at beginning of shift

identif! customers, validate and cash checks

accept cash and checks for deposit and check accurac! of deposit slip

process cash withdrawals

perform specialiAed tasks such as preparing cashier2s checks, personal mone! orders, issuing

traveler2s checks and e*changing foreign currenc!

perform services for customers such as ordering bank cards and checks

receive and verif! loan pa!ments, mortgage pa!ments and utilit! bill pa!ments

record all transactions promptl!, accuratel! and in compliance with bank procedures

balance currenc!, cash and checks in cash drawer at end of each shift

answer in3uiries regarding checking and savings accounts and other bank related products

attempt to resolve issues and problems with customer2s accounts

initiate and open new accounts

e*plain, advise on and promote bank products and services to customers

identif! referral opportunities and make relevant referrals

ensure compliance with all internal controls and established policies and procedures

E!'#at$n an! E%er$en#e

high school diploma or e3uivalent

some clerical, administrative, cash handling, sales or customer service e*perience preferred

knowledge of customer service principles

relevant computer skills

on%the%0ob training usuall! provided

*e+ ,-%eten#$e"

strong numerical abilit!

good listening and communication skills

customer service orientation

accurac! and attention to detail

time management

problem solving

honest! and integrit!

teamwork


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stress tolerance

JO+ D)'#R-PT-O@

Bank teller"are responsible for providing e*ceptional customer service including efficient and accurate

transaction processing.

Be! Duties C Responsibilities

$ccept retail andEor commercial deposits, loan pa!ments, process checking and savings account

withdrawals.

#ash checks.

5aintain an ade3uate cash drawer at all times> this includes bu!ing and selling currenc! from the vault

as necessar!.

+alance cash drawer in accordance with +ank procedures and regulations including periodic batching of

cashed checks.

Process credit card cash advances.

$ssist in ordering, receiving, verif!ing, and distributing cash.

$nswer customer in3uiries and refer customers to the proper service area for issues that cannot be

resolved at the teller line.

Providing additional products including #ashier(s #hecks, Personal 5one! Orders.

$ssist customers in accessing safet! deposit bo*es.

5a! be responsible for bank opening andEor closing.

5aintains the highest level of confidentialit! with all information obtained.

Promotes the bank(s products and services.

Represent the +ank in a manner that maintains and e*pands positive relations with all customers,

potential customers and co%workers.

Perform as a team member in allocating and coordinating the work flow. #ontribute to the fulfillment

of department and compan! ob0ectives and goals.

#ompl! with all department and compan! policies, procedures and regulations.

Bank Teller (b .e"#r$%t$n Ea-%le


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$ bank teller is a bank emplo!ee who deals directl! with most customers.

-n some countries, this emplo!ee is also known as a cashier.

Often times, teller 0obs re3uire cash handling e*perience with at least a high school diploma as3ualification to be hired.

5ost banks will provide on the 0ob training for their tellers.

Tellers are considered a Ffront lineG or Ffront officeG staff in the banking industr!.

This is because the! are the first contact a customer sees in the bank and are also the people most likel! todetect and abort fraudulent transactions in order to prevent losses to the bank where the! work.

+ank teller 0ob re3uires the tellers to be friendl! and interactive with the customers, and also providethem with information about customers( accounts and bank services.

The! are are mostl! the first and at times onl! emplo!ees that customers have contact with in a bank.

The! represent their bank in a good manner b! smiling and being friendl! with customers.

$s a teller, !ou ma! need to strain some facial muscles on bad da!s in order to give a winning smile.

Tellers must also be able to take note of details when processing a transaction, and must have themathematical and customer service skills to perform the 0ob effectivel!.

The! wait on customers while depositing checks and cash into their accounts.

The! are also responsible for providing current and savings account balance details to customers and cash

checks for them.

The teller(s role in a bank also includes ordering checks for those who need them.

-n the same vein, bank tellers check the authenticit! of checks being deposited to protect the customersand the bank.

The! ma! also re3uire that people should provide identification cards, or the last four digits of their'ocial 'ecurit! number Iin the nited 'tates and #anada to identif! themselves before withdrawing fromtheir account.

Job 'ummar!=

$s a bank teller, !ou will be responsible for counting the cash in !our register first thing in the morningand !ou must later balance !our account after recording all dail! transactions.

This reconciliation routine includes comparing cash and checks with the transactions of the da!.


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Bank Teller (b .e"#r$%t$n Ea-%le

Here is an e*ample of a bank teller(s 0ob description, consisting of a list of tasks, duties, andresponsibilities individuals working in that position is e*pected to perform b! most emplo!ers.

Receive and count cash at the beginning and at the closing of shifts

-dentif! customers, validate, and cash checks

Receive cash and checks for slip deposit

Process cash and check withdrawals

Perform specialiAed tasks like preparing checks, personal mone! orders and e*changing foreign

currenc! "erif! and receive loan and utilit! bill pa!ments, as well as mortgage pa!ments

Record all transactions correctl! and in compliance with bank guidelines

+alance cash and check transactions at the closing of each shift

$nswer in3uiries relating to current and savings accounts, as well as on other bank related

products Open new accounts.

Teller Job Description

Documents

Transcript of Teller Job Description