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Job description: Bank Cashier
As a Bank Cashier, it's your role to interact with the customers face-to-face every day.
You are the first port of call for customers and so will need professional and friendly manner to deal with their various transactions and account enquiries.
Using a customised computer system, you'll be responsible for many of the bank's day-to-day routine and administrative jobs, working at the frontline to keep the branch running smoothly.
As a new entrant you may start as a clerk carrying out administrative and processing tasks in the 'back room' of the bank, progressing to Bank Cashier on the front desk dealing with customers' accounts and enquiries.
Banks operate in the increasingly competitive financial services environment. As a Bank Cashier, you would be expected to market and sell financial products and services to customers. For this you would need to have an excellent knowledge of what's being offered by the bank.
Hours and environment
Typical working hours for a Bank Cashier would be from 9 to 5, Monday to Friday, Saturday might mean working on a rota system and Internet and telephone banking have created more and more shift and weekend work.
Like the majority of Bank Cashiers, you'd usually work behind glass screens with a number of customer services advisers in the branch.
To help present a good company image, you will usually be provided with a corporate uniform.
From time to time you could be sent to work at other locations temporarily, where several branches exist within a town or area.
Skills and interests
To be a good Bank Cashier, you must have:
- an ability to communicate with a wide range of people
- an ability to work as part of a team
- an honest and reliable character
- an ability to pay attention to accuracy and detail
- the confidence to sell and market products to customers
- a good standard of computer literacy
- awareness of confidentiality issues
Entry
While there are no formal entry qualifications, you are likely to find many employers specify four GCSEs (A-C)/S grades (1-3) including English and maths. Personal qualities are often equally as important as qualifications. Previous experience in a financial, marketing or sales field is useful.
Training
Most training is done on-the-job. You can work towards NVQs/SVQs in Customer Service at levels 2 and 3, and Providing Financial Services at levels 2, 3 and 4.
The Diploma in Financial Services Management (DFSM) is a foundation-level qualification for those aspiring to supervisory management positions. It is offered by the Institute of Financial Services (ifs) - a subsidiary of the Chartered Institute of Bankers (CIB) - and by the Chartered Institute of Bankers in Scotland (CIOBS).
If you wish to develop your career beyond the diploma, you may follow the CIB/CIOBS Associateship course, which can be undertaken by either block release or distance learning. On completion, if you are a student in England and Wales, you're also awarded a BSc (Hons) in Financial Services from University of Manchester Institute of Science and Technology (UMIST).
Foundation and Advanced Modern Apprenticeships (MAPPs) may be available for people aged 16-24.
Opportunities
You can progress as a Bank Cashier to Senior Bank Cashier, Specialist Customer Service Advisor, Trainee Manager, and then Branch Manager. The latter often relies upon gaining or working towards the CIB/CIOBS Associateship qualification.
All promotions within banks are performance related and usually mean leaving the branch, so mobility is essential for your progression.
There are also opportunities for you to work at the head offices of banks in the treasury, training, information technology and human resources departments.
Merchant or investment banking and international divisions of the larger banks also hold vacancies if you desired to move towards one of them.
With recent advances in IT and communications technology, there are many opportunities available in regional processing and call centres.
Annual income
As a new Bank Cashier your salary would start between £8,750 to £10,500 depending on the size of the bank.
Once you become an experienced cashier, you can earn between £10,500 and £16,000 a year. And, as a Senior Cashier or Specialist Customer Service Adviser, you can earn between £13,000 to £23,000.
Many banks have profit-related bonus schemes. Other benefits can include subsidised mortgages, loans, pensions, share options and insurance cover.
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