February 26, 2013

Can You Have a Misdemeanor and Become a Bank Teller?

Almost all of banking institutions have acquired a status of being very stringent in terms of hiring employees. Applicants are required to undergo tests, verification of credit standing and criminal background checks. The misdemeanor bank teller has no place in the banking industry. The application of an individual with a conviction for any transgression may be denied immediately.

The misdemeanor refers to guilty verdict for minor offenses such as unruly conduct, theft, certain forms of physical assault, and possession of illegal substances. Punishment usually consists of fines, short jail sentence or probation. Banks are very particular with persons found guilty of such wrongdoing due to the nature of its business. Bank tellers handle huge amounts of money so employers are strict with regards to this concern of misdemeanor. In other words, bank teller jobs require a spotless criminal record.

Element of Trust

Trust is needed in this industry. Banks cannot risk the loss of money as a result of the dishonesty of its employees. There are policies that said firms adhere to and a so-called Misdemeanor Guide which states that numerous business organizations have been confronted with neglectful hiring and take into service a person who causes harm to the company. The situation could have been prevented if proper diligence was used during the hiring process. You cannot become a bank teller if you are an ex-convict. This rule is aimed at maintaining the highest level of integrity to remain in the business and obtain a lot of clients. There is no room for fraudulent personalities in any reputable financial entity in the country.

How to Get a Job with Misdemeanor Records

Aspiring tellers with this conviction still have the opportunity to find work in small banks. The key is to be very candid about being a misdemeanor bank teller and secure recommendations from previous employers, prominent professionals and colleagues. Bring with you past employment records that contain positive testimonials and commendations. Explain carefully that the conviction did not have anything to do with money matters. Highlight your strengths, good qualities and expertise to take the focus out of the sentence. Another alternative is to wait until the offenses will not reflect in your personal records anymore and this may take at least 10 years. The conviction will not appear when this time lapses and you will find it easier to find gainful employment. This can be your last option to finally become a bank teller.

Interested in Training to be a Bank Teller and Start a Successful Career in Banking and Finance? If you’re worried that the tests, skills and requirements for being a bank teller are out of reach let me tell you that you would be RIGHT!

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February 22, 2013

Bank Teller Background Checks – What You Need to Know

It is important to know how to become a bank teller. One of the prerequisites is the background check. This can be quite intimidating for applicants who do not yet have any knowledge of background investigations. Yet, this is a very important process so try to understand each and every aspect of this system of verification.

Components of Background Checks
Criminal history is one segment of this method in checking personal history. This is important if you want to become a bank teller. Searches for felonies and minor wrongdoing are possible according to state, county or even the whole nation. It will require a certain fee. Certain states can only give information for the previous seven years. Review the laws of state governments regarding this aspect. Record of public information is available but juvenile data cannot be obtained. Civil accounts are just like criminal records but pertain more to the fact if the job candidate became a petitioner (plaintiff) or defendant (accused party). The National Crime Information Center (NCIC) will always display wanted criminals. All these are important for individuals who want to become a bank teller.
Credit reports are also important in background checks if companies want financial records Bankruptcies earlier than seven years will not show. Social Security reports will disclose residences of the candidate for the past seven years. Name discrepancies are utilized for the verification of addresses. Employer verification is what most applicants are worried about. However, positive and negative references along with previous salaries are not usually provided to avoid inaccurate or flawed references form past employers. Again, this is a primary concern in bank teller jobs.

Drug tests may be required. Nearly 20 percent of background checks include tests on prohibited substances. Companies usually commission local clinics to perform this test. However, this is normally done on a case-to-case basis since drug tests are fairly expensive. Reference verification means that employers get in touch with references provided by the job applicant regarding employment performance. Personal matters are not verified and only references mentioned in the resume are called. If you want to become a bank teller, education is also validated. This form of background check will check on the applicant’s school attendance, degree, certification and corresponding dates. This is meant to prevent falsification of scholastic records which has been a rampant practice in the past. The key is to be honest with your education to avoid problems with your employment.

February 15, 2013

Become A Bank Teller – Instructions

Instruction necessary for bank tellers

The bank teller conducts demanding duties. This is the reason why the teller training can be difficult and will involve sufficient focus. You require a twelfth grade diploma or General Educational Development (GED) test results before you apply to your position. A college degree is not a precondition. However, it is definitely a plus if someone has accomplished a two-year associate program or a four-year bachelor’s college diploma. Suggested fields of field of expertise consist of business enterprise, finance or calculations. Teller training trains students to be very adept in percentages and computations. You’ll also need to have extremely good communication skills, comprehension of support services and marketing methods.

Short-Term Classes and On-the-Job-Education and learning for Bank Tellers

There are certainly universities that provide short-term services for bank tellers. Successful students are given a certification. You’ll find out about traditional bank business operations; present day banking regulations and rules; and, assignments and responsibilities of tellers. The syllabus is meant to reinforce the student’s aptitude in math and customer support.

Education to be a teller will also call for intensive on-the-job training. Aspiring tellers are shown computer applications as well as the utilization of check-processing technology. A person is trained on cash-counting, bank security and safety, auditing rules, along with methods in conformity. The job training for tellers will even include payoff of savings fixed income securities, issuance of traveler’s checks, taking coin orders, and other specialized services.They learn about the money order system, utility and mortgage, or loan installments, and procedures necessary for safe deposit boxes. The on the job training also goes over investing, business and personal homeowner loans accompanied by credit lines.

Coaching and Employment Betterment

For those who become a bank teller, it’s necessary to pursue continued higher education and preparing for professional growth. This really is a sure tool for obtaining net income increases and available opportunities for promotions from your very own employers. You can find vocational schools and organizations that offer courses of instruction for bank tellers in step with certification classes.

The American Bankers Association is able to provide the Certified Bank Teller status for individuals that manage to demonstrate competency, particularly, backgrounds like advertising and marketing. However, you have to think about the CBT written test, and obtain a no less than half a year work experience. Tellers must-have at a minimum six hours of continuing training to sustain their accreditation status.

Persons that complete 4 year training programs can opt for better work opportunities such as advertising officer, user service company representative, bank analyst and bank manager. Becoming a teller offers to be a lucrative job once you finish the recommended bank teller education.

February 14, 2013

Disadvantages of Becoming a Bank Teller

You have seen the benefit if a person chooses to become a bank teller. It is equally important to be cognizant of the drawbacks. There are disadvantages which you have to assess before opting for this career.

Understanding the Negative Aspects

– Flexibility is good especially for part-time tellers. On the contrary, individuals yearning for full-time work may find it exasperating to be assigned during weekends or irregular working hours. This can be stressful particularly for those who are not used to this system.

– The banking industry is quite stable and bank teller jobs continue to grow. Unfortunately, compensation is low compared to other positions and allied industries. Those with exemplary performance can expect quick promotion and salary increases but the rest are relegated to the position of ordinary tellers.

– Micro management is one factor that may work against tellers. Micromanagement is described by Wikipedia as “a management style whereby a manager closely observes or controls the work of subordinates or employees. Micromanagement generally has a negative connotation.” Majority of tellers are not in favor of considerable micromanagement from their bosses. This is the procedure in banks to ascertain accuracy in counting and securing money. Counting is done at the beginning, middle and end of your shift. Check verification and confirmation of transactions are also conducted regularly. Inconsistencies and incorrect accounting can lead to termination. Managers are always on top of these tasks.

– When you become a bank teller, you are exposed to a frantic work atmosphere. It is necessary to cope with heavy client traffic and other requirements from management. Multitasking is imperative and teller should always be on their toes.

– You do business with so many disagreeable customers. This is one of the downsides if you become a bank teller. Practice a lot of patience and be as accommodating as possible. You have to help clients with all concerns form filling up forms and deposit slips to accomplishing documents required for loans or credit cards. All these will be part of your daily life as a bank teller.

– The job is also risky because of possible bank robberies. This can be a traumatic experience so you have to be prepared for any eventuality.

Now, although there are disadvantages, do not forget that still there are more advantages of being a teller. These cons will just test your patience and how do you really like the job of becoming a bank teller.

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February 14, 2013

What Benefits Do Bank Tellers Get?

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Do bank tellers make good money?

Most of the large banks offer competitive salaries. Applicants do not need to obtain a graduate degree and no prior banking experience is needed. There are only two basic requirements. One is the high school diploma or General Educational Development test and criminal background check. You start right away if the employer decides to hire you after a couple of interviews. Besides, many banks provide bank teller training even after the person has been hired. The growth rate of this profession is relatively lower but it can prove to be lucrative since the industry continues to thrive and more banks are expected to open in the near future. In effect, the United States Bureau of Labor Statistics confirmed a six percent growth for tellers up to 2018. Employment opportunities are expected to remain encouraging. There are several options for tellers such as working full-time or part-time.

Numerous Benefits for Tellers

Banks are known to be bighearted and normally extend various benefits to their employees. If you become a bank teller, you may enjoy a maximum of 12 paid holidays annually; profit-sharing; pension plans; insurance coverage; and, tuition aid. Regular tellers are also entitled to training and education grants courtesy of the company and take part in the firm’s 401(K) savings plan. INVESTOPEDIA defines this as “a qualified plan created by employers for eligible personnel to make salary reduction contributions on post or pre-tax basis. Employers offering this plan may make matching or non-elective contributions to the plan on behalf of eligible employees and may also add a profit-sharing feature to the plan. Earnings accrue on a tax-deferred basis.” – http://www.investopedia.com

Tellers may opt to aspire for promotion and work in other departments such as auditing, marketing, bank trust and credit card departments. While professional certification is not mandatory for bank teller jobs, it is an advantage to obtain certification from the American Institute of Banking or AIB. This organization encompasses a variety of subject matter that is applicable to the current banking system. For instance, certified head bank tellers uphold their credentials every three years by enrolling in continuous education programs. There are different categories for this position. You can start as branch teller and be promoted to bank teller afterwards. The next position is the vault teller who gets higher compensation because of the sensitive responsibilities. Salary structures also depend on the bank, location and tasks that you are given by the company.

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