In the dynamic world of banking, the position of a General Banking Officer (GBO) holds immense importance. A GBO plays a pivotal role in ensuring efficient customer service, handling various banking operations, and maintaining the overall functioning of the branch. If you have a passion for finance, excellent communication skills, and the ability to work under pressure, this may be the perfect job for you. In this article, we will delve into the responsibilities, requirements, and skills of a General Banking Officer.
| Post Name: | General Banking Officer |
| Type of Employment: | Permanent |
| Department Name: | Mobilink Microfinance Bank |
| Qualifications | Bachelor |
| No of Positions: | 01+ |
| Place of Posting: | Talagang |
| Last Date to Apply: | 16th July 2023 |
1. Introduction to General Banking Officer (GBO)
A General Banking Officer, also known as a Bank Teller, is a crucial position within a bank branch. They are responsible for providing excellent customer service, facilitating various banking transactions, and ensuring the smooth operation of banking processes. GBOs act as the face of the bank and play a vital role in establishing a positive customer experience.
2. Job Responsibilities
Handling Customer Services
As a General Banking Officer, your primary focus will be on ensuring effective and efficient customer handling. This involves providing services to customers in accordance with the bank’s service and quality standards. You will guide walk-in customers, address their queries, and cross-sell banking products.
Account Opening and Operations
GBOs are responsible for account opening and related operations. This includes processes such as dormancy marking/removal, stop payments marking/revoking, account closures, issuance of statements of account (SOA), and opening/closing of loan accounts. You will handle both core banking and Jazz Cash customers’ account-related activities.
Gold Loan Assessments
Participating in gold loan assessments is another aspect of the GBO role. You will be involved in evaluating gold loan applications, ensuring compliance with bank policies and procedures.
Customer Query Management
Managing customer queries efficiently is a crucial responsibility of a General Banking Officer. You will address customer inquiries, resolve issues, and provide appropriate solutions within the defined turnaround time (TAT).
Monitoring Service Indicators
GBOs are accountable for reviewing and monitoring the service indicators assigned to the branch. You will take effective steps to achieve the set service targets and maintain a high level of customer satisfaction.
Non-Financial Transactions
Performing non-financial transactions accurately and in adherence to standard operating procedures (SOP) is a key responsibility. This includes various administrative tasks, such as issuing security stationary, preparing reports, and maintaining registers/records.
Cross-Selling Bank Products
As a GBO, you will have the opportunity to cross-sell bank products to customers. By understanding their needs and offering suitable banking solutions, you contribute to the bank’s growth and customer satisfaction.
Report Preparation
Preparing various types of reports and submitting them to the Customer Service Manager (CSM) and Head Office is part of the GBO’s role. These reports provide insights into branch operations and contribute to decision-making processes.
Fixed Assets Management
Ensuring the verification of fixed assets inventory through physical checks and reconciling the fixed assets register annually is a responsibility of a General Banking Officer. You will be responsible for maintaining the accuracy of fixed asset records.
Administrative Support
GBOs play a vital role in the administrative support of the branch. You will collaborate with the Branch Manager (BM) and CSM to handle administrative tasks, maintain security stationary, and ensure its proper balancing.
Complaint Resolution
Handling customer complaints effectively and providing appropriate solutions within the defined TAT is an essential aspect of the GBO role. By addressing customer concerns, you contribute to maintaining a positive brand image for the bank.
Record-Keeping and Reconciliation
Reviewing and reconciling various types of sundry and suspense accounts is part of the GBO’s responsibilities. You will also be responsible for scanning and uploading SS cards on a daily basis, ensuring accurate record-keeping.
Clearing Instruments Processing
Processing clearing instruments, including their return marking, is a significant task performed by GBOs. You will ensure the accurate inputting of clearing instruments and adherence to clearing procedures.
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3. Requirements for the Role
Academic Qualification
To be eligible for the position of a General Banking Officer, you should hold at least a Bachelor’s degree from a reputable institution in a relevant field.
Relevant Work Experience
A minimum of 2 years of relevant work experience is required for the role of a General Banking Officer.
Essential Skills
As a GBO, you should possess proficiency in MS Office, sound communication skills, and strong interpersonal skills. The ability to work under pressure and handle customer queries effectively is essential.
Desired Skills
Good presentation skills are an added advantage for a General Banking Officer. These skills enable you to effectively communicate bank products and services to customers.
4. Job Specifications
Academic Qualification
General Banking Officers should hold a Bachelor’s degree from a reputable institution.
Area of Specialization
The GBO role focuses on branch operations, covering various banking functions.
Computer Proficiency
GBOs should have a good understanding of general banking operations and be proficient in using office productivity tools.
Other Details/Skills
Customer service skills, communication skills, and good knowledge of banking processes are vital for this role.
5. Job Location and Type
The specific job location for a General Banking Officer may vary. In this case, the job is located at the Talagang Branch. The job type is contractual.
Being a General Banking Officer offers an exciting opportunity to contribute to the banking industry and serve customers with excellence. By fulfilling the responsibilities associated with this role, you can make a positive impact on customers’ banking experiences and contribute to the growth of the branch. If you have the required qualifications, skills, and passion for banking, this role can be a stepping stone to a rewarding career.
FAQs (Frequently Asked Questions)
1. What is the academic requirement for a General Banking Officer?
To qualify for the position of a General Banking Officer, you should hold at least a Bachelor’s degree from a reputable institution.
2. How many years of work experience are required for this role?
A minimum of 2 years of relevant work experience is required to be eligible for the role of a General Banking Officer.
3. What are the essential skills for a General Banking Officer?
Essential skills for a General Banking Officer include proficiency in MS Office, sound communication and interpersonal skills, and the ability to work under pressure.
4. Are presentation skills important for this position?
Good presentation skills are desirable for a General Banking Officer, as they enable effective communication of bank products and services to customers.
5. Where is the job location for this role?
The job location for this specific role is at the Talagang Branch.