Bank Clerk

Primarily, your work as a Bank Clerk will be to serve as the primary point of contact with bank customers. If you work in a bank, keeping accurate records of all transactions and customer calls will perhaps be the most critical aspect of your job.

You will be handling cash deposits and withdrawal by customers, and also accept as well as issue cheques, drafts, pay orders, banker's cheques, etc. You will be recording, updating and maintaining the daily transaction balance in the bank’s computer systems.

You will also need to perform various back office works like receipts collection, ledger maintenance, balance tally, data entry into the bank's computer systems, etc.  You will need to issue cheque books after authentication of clients. In some cases, you may also plays a significant role in the marketing of financial products of the Bank such as loans, mutual funds, deposits, schemes, etc. You will need to record the interest owed to saving accounts customers and interest owed to the bank from loans and other investments. At times you may even need to work on international accounts, currency exchanges, etc. You may have to manually verify the cash transactions at the end of the day and check it with banking records.

You may need to examine cheques or the withdrawal slips submitted by a customer for withdrawal of money. Disbursement of money can also be done electronically these days. You may disburse or transfer money through internet banking or using company credit cards, debit card, or digital wallet.

Key Roles and Responsibilities:

As a Bank Clerk, you will be engaged with one or moreof the following roles and responsibilities: -

• You will be serving as the primary point of contact with bank customers.
• You will be handling cash deposits and withdrawal, and also accept cheques, drafts, dividend warrants, pay orders, etc. 
• You will be performing payment clearance tasks including cheque verification, issuing demand drafts, etc.
• You will be issuing cheque books after authentication of customers.
• You will be making payments to customers only after validating their signatures.
• You will be performing various back-office tasks such as receipts collection, ledger maintenance, balance tally, data entry, etc.
• You will be answering and responding to bank customers’ inquiries on financial transactions and also address their grievances if any.
• You will be recording, updating and maintaining the daily transaction balance in the bank’s computer systems.
• You will be manually verifying cash transactions at the end of the day and reconcile it with banking records.
• You will be corresponding with the customers through letters and e-mails.
• You will be promptly detecting discrepancies in the finances (if any) and report the same to the concerned authorities.

• You should have interests for Conventional Occupations. Conventional occupations involve repetitive and routine tasks as well as fixed processes or procedures for getting things done. These occupations involve working more with data, systems, and procedures and less with ideas or creativity.

• You should have knowledge of Mathematics - Knowledge of arithmeticand other mathematical disciplines and their applications.

• You should have knowledge of Computers - Competency in applications like Microsoft Office (Word, Excel) etc.

• You should have knowledge of Accounting - Knowledge of various principles and methods for maintaining records of commercial and financial transactions and records, preparing various reports and statements, ensuring compliance with commercial and business laws and rules of a country, etc.

• Clerical and secretarial Skills - Knowledge of various clerical tasks and procedures such as handling emails and phone calls, filling up forms, data entry, managing files, managing records, maintaining information databases, stenography, scheduling appointments, and other office procedures and general administrative tasks.

• Active Listening Skills - Giving full attention to what other people are saying, understanding the points being made by others, asking questions, etc.

• Critical Thinking - Skills in the analysis of complex situations, using logic and reasoning to understand the situations and take appropriate actions or make interpretations and inferences.

• You always or mostly prefer tostick within a routine or carry out routine and repetitive activities. 

• You are always or mostly dependent on others or on set rules and procedures.

• You are always or mostly organised in your day-to-day life and activities.

• You are always or mostly disciplined in your action and behaviour.

• You are practical always or in most situations.