1. Taylor.
Teller is a general term for bank counter staff. Usually divided into foreground and background. The front desk teller is responsible for the counter business operation, inquiry and consultation directly facing customers; The back-office teller is responsible for customer-oriented inter-bank, bill exchange, internal accounting and other business processing, as well as the follow-up processing of front-office business such as audit, confirmation and authorization.
Teller job responsibilities:
1. Handle foreign deposit and withdrawal and interest-bearing business, including entering computer accounts, printing vouchers, passbooks, certificates of deposit, cash receipts and payments, etc.
2. Handle and keep the business cash, and register the teller's cash register;
3. Handle important blank vouchers and valuable documents such as business certificates of deposit and passbooks, and register important blank vouchers and valuable documents;
4. Responsible for all kinds of business seals and personal seals of this counter;
5. Roll over counter accounts, print bills, clean up important blank vouchers and valuable documents for checking cash and balance on duty, check business seals, seal boxes with * * * under the supervision of comprehensive tellers, handle handover procedures, and hand over accounting materials such as vouchers to comprehensive tellers.
Tellers generally have two ways out:
(1) Intensive cultivation in the accounting line, making it a business benchmark, promoted to the head of the cabinet, and then competing for the accounting director of the branch, and then competing for the vice president of the branch. It usually takes five to eight years to get there. Further up, you can climb to the accounting department of the provincial branch to be a small leader, then compete for the general manager of the accounting department, and then March into the head office.
(2) Turn to account manager and take the marketing route. Generally speaking, cabinets should have a strong sense of marketing, and job-hopping should generally take part in written tests and interviews.
Second, the account manager.
Account managers belong to the marketing positions of banks and are divided into individual account managers (wealth management account managers), corporate account managers and personal loan account managers.
(1) Private account managers mainly serve private customers, that is, individuals. Some banks are called wealth management account managers, whose duties are mainly to maintain old customers, develop new customers, draw deposits and sell banking products. For private account managers, they need to have a variety of financial knowledge such as deposits, national debt, funds, stocks, insurance, gold, foreign exchange, futures and so on. , and provide financial advice and opinions to customers.
(2) Corporate account managers mainly serve corporate customers, that is, governments, institutions, enterprises, companies, etc. Its main duties are to absorb corporate deposits and issue corporate loans.
(3) Personal loan account managers are mainly responsible for the marketing and handling of personal loans such as personal housing loans and auto loans.
There are generally three paths for the future development of account managers:
(1) It takes more than five years to be an account manager: account manager assistant → account manager → senior account manager → senior account manager → private bank consultant. With the continuous improvement of the level, the wage income is also increasing, and the managed customers are also constantly high-end. They mainly rely on professional knowledge to promote performance growth to increase their income, but they have been working in branch offices and are managed by branch managers.
(2) Competing for the president of the branch. Generally, the president of a branch changes every three years. Every year, there are always presidents who are licensed because of poor performance. Therefore, if you like being a leader, you can generally participate in the annual competition for the president of a branch after three years of work experience. However, being a branch manager is very stressful. He undertakes more than 50 indicators every year. If he doesn't do well, he will be sent off with a red card and expelled directly.
(3) Development to relevant departments of provincial branches. For example, individual account managers go to the private finance department, corporate account managers go to the corporate business department, and retail account managers go to the credit department, and then become the leaders of these departments.
Third, Guan Peisheng
Guan Peisheng must be trained by lobby manager, savings counter, accounting counter, individual account manager and company account manager before he can expand his business and create value. In this process, what we do and know can be roughly summarized as twelve words: learn the rules, watch the market, thunder comes up and thunder falls. According to the relevant performance, Guan Peisheng, as a reserve talent, has better starting point and training than tellers and account managers.
The career development of banks can be divided into three development routes: management, technology and market.
1, technical line: professional line, main counter business, financial accounting, finance, information technology, risk assessment, product development, scheme design, internal audit, etc.
2. Marketing route: customer route, key customer service and market expansion;
3. Management line: leadership line, main development strategy and strategy formulation.
In Bian Xiao's view, teller is the one with the largest number of jobs in banks.
1. Why do banks recruit so many "longan" every year?
On the one hand, teller belongs to the basic position of the bank and is also the starting point for employees to enter the bank. Newcomers usually start to work as tellers after entering the bank, ranging from half a year to 3-5 years. Because every employee can have a better development in his future work only if he clearly understands the banking business and operation mechanism on his own basic post.
On the other hand, banks are traditional industries, with a large number of outlets in all provinces, cities and counties across the country, which need to handle things and businesses for customers, especially the five major banks. Take China Construction Bank as an example. There are 65,438+04,965,438+07 branches in mainland China, 37 tier-one branches and 27 countries and regions abroad. Therefore, in the face of so many business outlets and institutions, a large number of personnel and outstanding talents are needed to support them.
And now the loan business of banks is developing faster and faster, and small and medium-sized enterprises are also growing rapidly, and the demand for specialized services is increasing. Coupled with the rapid development of internet finance, there is a great demand for professional financial talents.
Although all employees who enter the bank start from tellers, and there are a large number of tellers in various branches and outlets, the proportion of tellers in the bank is actually very low. In addition to the front desk tellers you can see, there will be many people doing economic and financial analysis, wealth management products, corporate business, corporate and personal credit, settlement business, international business, risk control and other work in the background, and network maintenance alone is also a big part.
Second, where did the bank's "longan" go?
In the bank, few employees have been tellers. General employees will be transferred, transferred and promoted in 3-5 years at the grassroots level. Some employees who have the ability and ideas will also seize other opportunities to achieve career transformation and promotion.
1. Job transfer: Tellers usually transfer to the position of account manager, which is very helpful for individuals, enterprises and personal career development. This is also the first step for most small partners who enter the bank through school recruitment.
2. Promotion: Tellers are promoted directly to supervisors and deputy supervisors, and they will also go to another office through other channels. Subsequent promotion depends on personal ability.
3. Job-hopping/resignation: On the financial platform, more attention is paid to personal ability and comprehensive accumulation. A considerable number of people have accumulated experience and ability in state-owned banks for several years, and then moved to small and medium-sized joint-stock banks.
In addition, due to the influence of working environment and welfare benefits, the turnover rate of banks is the lowest in all industries, but banking work is not suitable for everyone, and people will have to give up banking work for personal reasons.
4. Tellers have always been there, but rarely: many people like to be tellers all the time, stable and orderly, with regular life, without thinking too much, in line with their own personality. Generally speaking, banks will take care of old employees and will not assign particularly heavy tasks.
In a word, China's economy is developing constantly, and the coverage of financial outlets is far from saturated. There is always a gap in high-end financial talents, so as long as the friends polish their abilities well, there are opportunities to display their fists and feet everywhere!
I hope it helps you ~