The banking sector is a service industry which provides services to its clients according to their banking needs.

The banking industry offers different kinds of careers to those interested in joining the industry. These include managers, tellers, accountants, customer service personnel, operation managers, credit officers and sales support. Due to this, banking job responsibilities are quite extensive. Like any other sector, the banking industry has specific banking job responsibilitiesfor its staff. Bankers are expected to help clients with their financial questions and needs. The banker reviews clients history to determine the right solutions for his clients. It is also the work of a banker to keep correct and accurate records on a daily basis. As a representative of the bank, he offers the best banking solutions to his clients. Bank Manager Responsibilities He is responsible for the banks success. He councils, hires and at times terminates staff. He is responsible to keep the employees motivated and happy and also sets up the meetings in the office. They help the deposit base and the business to grow. He is the head of the bank hence supervises all the important activities of different bank branches. There are different departments in a bank and every department and branch has a manager. Bank Manager Job Responsibilities - He has to work well with his assistance in order to coordinate activities in various other branches and also contribute to policy making. - He is in charge of getting new customers to the bank and thus helping the banks profits to rise. - He charts out targets that need to be met by everyone working under him. - He has to analyze and create management reports and information that are sent to all the branch staff and the head office.

- He has to maintain a good interaction with the local chambers of development agencies, accountants, and commerce and development agencies. - He has to monitor the activities of all the branches. - He has to encourage the staff to maintain high standards and help them deal with customer complaints efficiently. - Formulate bank policies and business planning. Bank Clerk Responsibilities A Bank clerks main responsibilities are to maintain basic transactions involved in banking and he also has to serve as a point of contact to the customer. It is an entry level post where in all the financial queries are answered and fundamental updates and calculations are made. He has to record and maintain all the loan information. Bank Clerk Job Responsibilities - They are required to accept the deposits made by the customers and also cash the cheques from clients along with making necessary updates. - They make the payment of money to the customer after confirming the signatures on drafts, cheques, etc. They also look into fund availability. - They need to enter all the transaction data into the bank computer system before finishing their shift. - They must help customers out in case of account related issues and also inform the manager about the same if necessary. - When they are dealing with withdrawals they need to check for the photo identifications and customers signatures to make sure it is still valid and there isnt any violation of security.

- They need to accept the loan payments on their employers behalf. - They have to keep track of the accuracy of their cash drawer balance. - They need to give out information to the customers regarding the credit cards, loan, tax saving schemes, etc. Bank Executive Responsibilities Bank executive means someone who is in the top position like general manager or branch manager. Their main responsibility is to ensure the smooth running of the particular branch they are charge of or the banks around the country thus contributing to the profit of the bank. Their communication skills need to be really good to impart instructions to their subordinates smoothly. Bank Executive Job Responsibilities - They need to make strategic decisions that could help the bank get new customers thus increasing the bank revenues. - They have to chart out objectives with other important executives and come up with strategies to meet them. - To take on subordinates that needs training to handle the banking transaction and guide them to produce successful results. - They are responsible for forming policies, assembling resources and critical measurements that eventually contributes to the companys finance. - They have to actively take part in the discussions regarding mergers, acquisitions, alliances.

- They need to have a good leadership quality to motivate their staff into producing the required results. - They must to be well aware of the current world finance scenario and should also be good with numbers. - They have to be organized and should be able to deal with pressure situations calmly. Bank Cashier Responsibilities Their main responsibility is to maintain and record everyday transactions for the client. These transactions include accepting deposits, money transfers, processing loans, deposit withdrawals, etc. Along with this they must advise and promote the services and the products offered by the bank. They need to be quite responsible and friendly to make bank dealings, etc. Their mathematical abilities too need to be good. Bank Cashier Job Responsibilities - They need to perform cash withdrawal processing. - Accept cheques and cash for deposits and also check for accuracy of the deposit slip. - encourage opening new accounts. - Help people out with their problems regarding costumers accounts. - Advice, explains or promotes the services and products offered by the bank. - Identify customers and help making cash checks.

- Balance the cheques, cash and currencies in the money drawer by the end of each shift. - Record and maintain all transactions completely and correctly to match the bank procedures. - Reply to all the inquiries made about savings account and checking procedures. - Provide services like ordering checks or cards for the customers. - Receiving and verifying loan payments, utility bill payments and mortgage payments. - Performing specialized jobs like cashiers check preparation, travelers check issuing, exchange of foreign currency and personal money-orders. - They need to be good with their PR skills as lot of interaction is involved. Loan Officer Responsibilities The main responsibility of loan officer is to capable clients and helps them to cover loan. Loan officer should be capable to bring good business over the month. They are also capable to maintain good business relationship with their clients. Additionally he should be capable to fetch the personal details of his or her clients. Loan Job Officer Responsibilities To search for reliable and capable person who could do some business regarding long with is the primary responsibility of loan officer.

To make contact to those people who have register with the company and not given the full payment is also the responsibility of loan officer responsibility. One of the main responsibility of loan officer is to maintain and analysis of full documentation.

To finalize the loan falling within the proper limits is also the responsibility of loan officer. To review the documentation of clients and offering the suitable scheme is also the responsibility of loan officer. Checking the loan agreements and finalizing the files is also the responsibility of loan officer. Approving and inspection of clients property and financial status comes under the responsibility of loan officer. A loan officer has the responsibilities to review the billing cycle of client for accuracy.

Account Services Executive Responsibilities The main responsibility of Account Service Executive is to handle and manage clients account for an advertising agency or brokerage or other service business. There are several characteristics or traits that indicate a competent account executive. One of the most important responsibilities of account service executive is to provide proper customer care, proper training and credentials. The account executive deals with securities that also provide other types of support for the customer as well. As part of preparing to buy or sell securities, a truly professional account executive will always be on the lookout for stock and other investment opportunities that are of interest to the client. Account Services Executive Job Responsibilities The major responsibility of Account Service Executive is to participate in generating proposals.

His responsibility is to manage close qualified sales opportunities. His responsibility is to manage and check out the report on weekly activity, sales prospects and revenue forecast. His responsibility is to manage and maintain contact database.

His responsibility is to meet or exceed determined sales goals on a monthly and quarterly basis. His responsibility is to contribute to the creation of new products, services and sales strategies. His responsibility is to monitor customer satisfaction. The major responsibility of Account service executive is to conduct annual reviews with clients to forecast coming years needs. His responsibility is to retain existing customers.

Loan Officer Responsibilities The main responsibility of loan officer is to capable clients and helps them to cover loan. Loan officer should be capable to bring good business over the month. They are also capable to maintain good business relationship with their clients. Additionally he should be capable to fetch the personal details of his or her clients. Loan Job Officer Responsibilities To search for reliable and capable person who could do some business regarding long with is the primary responsibility of loan officer.

To make contact to those people who have register with the company and not given the full payment is also the responsibility of loan officer responsibility. One of the main responsibility of loan officer is to maintain and analysis of full documentation. To finalize the loan falling within the proper limits is also the responsibility of loan officer. To review the documentation of clients and offering the suitable scheme is also the responsibility of loan officer. Checking the loan agreements and finalizing the files is also the responsibility of loan officer.

Approving and inspection of clients property and financial status comes under the responsibility of loan officer. A loan officer has the responsibilities to review the billing cycle of client for accuracy.

Account Services Executive Responsibilities The main responsibility of Account Service Executive is to handle and manage clients account for an advertising agency or brokerage or other service business. There are several characteristics or traits that indicate a competent account executive. One of the most important responsibilities of account service executive is to provide proper customer care, proper training and credentials. The account executive deals with securities that also provide other types of support for the customer as well. As part of preparing to buy or sell securities, a truly professional account executive will always be on the lookout for stock and other investment opportunities that are of interest to the client. Account Services Executive Job Responsibilities The major responsibility of Account Service Executive is to participate in generating proposals.

His responsibility is to manage close qualified sales opportunities. His responsibility is to manage and check out the report on weekly activity, sales prospects and revenue forecast. His responsibility is to manage and maintain contact database. His responsibility is to meet or exceed determined sales goals on a monthly and quarterly basis. His responsibility is to contribute to the creation of new products, services and sales strategies. His responsibility is to monitor customer satisfaction. The major responsibility of Account service executive is to conduct annual reviews with clients to forecast coming years needs.

His responsibility is to retain existing customers. Bank Officer Responsibilities Bank Officers are usually those who occupy the top positions in banks. Their areas

of concern include all the different branches. They come up with plans that are necessary to keep the bank progressive and profitable for the better achievement of the common goal. They keep an eye on details for better success. Bank Officer Job Responsibilities Conduct business planning and seminars that address matters pertaining to bank concerns.

Analyze monthly reports to be updated with the overall status of all branches. Give specific instructions to branches and its subordinates for better working relationship and for smooth bank operations. Provide seminars and trainings to their people. Achieve best results in every month end business reports in accordance to the goal of the bank. Show good values and right conduct among their people for better working relationships. Conduct random visits to the different branches for checking.

Ensure that the bank achieve its overall goals and objectives. Bank Teller Responsibilities Bank tellers are the front liners in every bank. They handle payments, deposits and all other immediate over the counter transactions. They are cheerful, courteous, presentable, warm and very professional in dealing with their clients. They undergo trainings and seminars in ensuring right customer relations to their clients and for better understanding of facts that matters with their concerns. Bank Teller Job Responsibilities Always wear a pleasant smile especially when transacting with clients.

Ensure correct and accurate transactions with clients. Always be pleasant and attentive to the needs of the clients. Provide the necessary required information. Finish all daily transactions within the day.

Balance all the transactions versus the cash on hand at the end of the day. Ensure that no fake bills/counterfeit money is received. Properly file all the necessary documents at the end of the day. Accommodate clients cheerfully and politely. Ensure that every transaction is satisfactorily completed before a customer

leaves the counter. ank Guard Responsibilities Bank guards risk their lives and limbs to keep banks and their vicinity safe. This job is very important for the bank is where depositors entrust their money for safekeeping. Bank guards will always be the trusted person of any bankers as they are well trained in this position to give enough security as well. Bank Guard Job Responsibilities Ensure the safety and security of the bank.

Guard the bank 24/7 to ensure that everything is safe from theft/robbery. Ensure that every individual who enters the bank will undergo inspection in compliance to bank policy to ensure safety and security Monitor at all times every individuals movement and activities inside the bank to ensure safety. Strictly prohibit anybody from bringing firearms and other deadly weapons inside/within the bank premises/ establishment. Be equipped with the proper training to provide the necessary protection required by the bank. Report as scheduled to ensure safety at all times. Follow the rules and regulations of the bank management at all times. Bring their weapons with them at all times and always be ready for any

eventuality. Commercial bank From Wikipedia, the free encyclopedia A commercial bank (or business bank) is a type of financial institution and intermediary. It is a bankthat provides transactional, savings, and money market accounts and that accepts time deposits.[1]

After the implementation of the GlassSteagall Act, the U.S. Congress required that banks engage only in banking activities, whereas investment banks were limited to capital market activities. As the two no longer have to be under separate ownership under U.S. law, some use the term "commercial bank" to refer to a bank or a division of a bank primarily dealing with deposits and loans from corporations or large businesses. In some other jurisdictions, the strict separation of investment and commercial banking never applied. Commercial banking may also be seen as distinct from retail banking, which involves the provision of financial services direct to consumers. Many banks offer both commercial and retail banking services. he role of commercial banks Commercial banks engage in the following activities:

processing of payments by way of telegraphic transfer, EFTPOS, internet banking, or other means issuing bank drafts and bank cheques accepting money on term deposit lending money by overdraft, installment loan, or other means providing documentary and standby letter of credit, guarantees, performance bonds, securities underwriting commitments and other forms of off balance sheet exposures safekeeping of documents and other items in safe deposit boxes distribution or brokerage, with or without advice, of insurance, unit trusts and similar financial products as a financial supermarket cash management and treasury merchant banking and private equity financing traditionally, large commercial banks also underwrite bonds, and make markets in currency, interest rates, and credit-related securities, but today large commercial banks usually have an investment bank arm that is involved in the mentioned activities.