Методическая разработка по теме "Должностные обязанности банковского специалиста"

Федеральное государственное бюджетное образовательное учреждение

высшего образования

РОССИЙСКАЯ АКАДЕМИЯ

НАРОДНОГО ХОЗЯЙСТВА и ГОСУДАРСТВЕННОЙ СЛУЖБЫ

при ПРЕЗИДЕНТЕ РОССИЙСКОЙ ФЕДЕРАЦИИ

ОМСКИЙ ФИЛИАЛ

THE JOB DUTIES OF A BANK SPECIALIST

Методическая разработка

темы «Должностные обязанности банковского специалиста»

Составитель: Власенко И.Г.

Омск, 2020 г.

Методическая разработка темы The Job Duties of a Bank Specialist «Должностные обязанности банковского специалиста» предназначена для изучения дисциплины «Иностранный язык в профессиональной деятельности» студентами специальности 38.02.07 Банковское дело.

Цель – ознакомить студентов с лексическим материалом по теме, научить использовать тематическую лексику в ситуациях устного и письменного речевого общения.

(CONTENTS) СОДЕРЖАНИЕ

Unit 1. The job of a bank specialist (Part 1)

Должностные обязанности банковского специалиста (часть 1) ……4

Unit 2. The job of a bank specialist (Part 2)

Должностные обязанности банковского специалиста (часть 2) ……6

Unit 3. Personal qualities and professional skills of a bank specialist

Личные и профессиональные качества банковского специалиста …9

Unit 4. Training and job out look

Профессиональное обучение и перспективы …………………………13

Unit 1 The Job Duties of a Bank Specialist

(Part 1)

Warming up

Распределите название профессий в две группы:

1. related to a bank

2. other jobs

A receptionist, a banker, an accountant, a customer, a shop assistant, a manager, a clerk, a teller, a bank specialist, a post office clerk, a ticket seller, an auction clerk, an employee, a broker, a lawyer

Activity 1. Прочитайте текст “The Job Duties and Responsibilities of a Bank Specialist” (Part 1). Ответьте на вопрос “What job is described in the text?”

The Job Duties and Responsibilities of a Bank Specialist

Text

(Part 1)

A bank specialist is a person who works in a bank or in a savings or credit institution. Banks specialists make up 28 per cent of bank employees and conduct most of a bank’s routine transactions. Among their responsibilities are cashing checks, accepting deposit and loan payments and processing withdrawals. They may also sell savings bonds, accept payments for customers’ utility bills, process necessary paperwork for certificates of deposit and sell travelers’ checks. Some specialists specialize in handling foreign currencies or commercial accounts.

To be a bank specialist needs a great deal of attention to details. Before cashing a check, a bank specialist must verify the date, the bank name, the legality of the document and the identification of the person who wants to receive payment. Bank specialists also make sure that written and numerical amounts agree and that the account has sufficient funds to cover the check. The bank specialist then must carefully count cash to avoid errors. When accepting a deposit, bank specialists must check the accuracy of the deposit slip before processing the transaction.

Vocabulary

To conduct проводить

Routine повседневный

Responsibility ответственность

Withdrawal снятие, изъятие

Savings bond облигация

Utility bill счет за коммунальные услуги

Necessary необходимый

To verify проверять, подтверждать

To agree зд.совпадать

Slip бланк, карточка

Activity 2. Подберите к английским словам соответствующие русские эквиваленты.

Специалист банковского дела; банковский служащий; ежедневные операции; среди обязанностей; обналичивание чеков; снятие денег; принимать платежи за коммунальные услуги; выполнять необходимую бумажную работу; продавать дорожные чеки; проводить операции с иностранной валютой; необходимо уделять огромное внимание деталям; проверять название банка и дату; личность человека; законность документа; написанная и числовая суммы совпадают; необходимая сумма для покрытия чека; внимательно считать наличные деньги; чтобы избежать ошибок; проверять правильность заполнения бланка.

Activity 3. Составьте и запишите словосочетания.

	Bank		of the deposit slip
	Utility		check
	Foreign		of the person
	Routine		money
	Identification		the check
	Written		employee
	Withdraw		bill
	Accuracy		transaction
	Travellers’ checks		and numerical amount
	Cover		currency

Activity 4. Вставьте в предложения наречия частотности NEVER, SOMETIMES, USUALLY, OFTEN, ALWAYS .

Наречия частотности NEVER, SOMETIMES, USUALLY, OFTEN, ALWAYS

стоят перед смысловым глаголом, но после глагола to be . SOMETIMES может стоять в начале предложения

E.G. My sister always buys travelers’ checks when she goes abroad.

She is often successful in business.

Sometimes she goes on business to the USA.

1 A bank specialist conducts most of routine work.

2. Bank specialists cash checks, accept deposits and loan payments, process withdrawals.

3. They are late for work.

4. Bank specialists specialize in handling accounts in foreign currencies.

5. Bank specialists must have a great deal of attention to detail.

6. They check all the data before cashing a check.

7. They count cash to avoid errors.

8. Bank specialists know how much money a customer has in his pocket.

9. Tellers check the accuracy of the deposit slip before any transaction.

10. Bank specialists are tired by the end of the working day.

Activity 5. Поставьте (T) (True), если предложение верно или (F) (False), если предложение неверно.

1. A bank specialist is a person who manages a bank.

2. Among the responsibilities of a bank specialist are paying checks, deposits and loans.

3. Bank specialists may also sell savings bonds and travelers’ checks and accept payments for customers’ utility bills.

4. Bank managers always do necessary paperwork for certificates of deposit.

5. All bank specialists can handle accounts in foreign currency.

6. Before cashing a check, a bank specialist must check the date, name of the bank, identification of the person and legality of the document.

7. A bank specialist must be sure that the account has enough money to cover the check.

8. A bank specialist prepares money when a customer withdraws it.

9. A bank specialist doesn’t count cash.

10. When a bank specialist accepts a deposit, he must check the accuracy of the deposit slip.

Activity 6. Ответьте на вопросы по тексту “The Job Duties and Responsibilities of a Bank Specialist” (Part 1).

1. Who conducts routine banking services?

2. What are the main responsibilities of bank specialists?

3. What other duties do they have?

4. Do all bank specialists work with foreign currencies?

5. Why must a bank specialist be careful at work?

6. What must a bank specialist do before cashing a check?

7. What are the duties of a bank specialist when a customer withdraws money?

8. What must bank specialists do when they accept a deposit?

Activity 7.

1. Write down 5 responsibilities of a bank specialist.

2. Show a list of responsibilities to your partner.

3. Work together. Make a common list of a bank specialist’s responsibilities.

Unit 2

The Job Duties of a Bank Specialist

Text

(Part 2)

Activity 1. Прочитайте текст и ответьте на вопрос ”What are the other job duties of a bank specialist?”

Before starting the shift, bank specialists receive and count an amount of working cash for their drawer. A supervisor, usually the head bank specialist, verifies this amount. Bank specialists use this cash for payments during the day and are responsible for its safe and accurate handling. Before leaving, bank specialists count cash on hand, make sure the accounts balance and sort checks and deposit slips. Bank specialists may also process numerous electronic and mail transactions. Some bank specialists replenish cash drawers and corroborate deposits and payments to automated teller machines (ATMs).

Head bank specialists are responsible for the bank specialist work. In addition to the typical duties of a bank specialist, a head bank specialist’s responsibilities include preparing work schedules, accessing the vault, ensuring the correct cash balance in the vaults and overseeing shipments of cash to and from the bank.

Technology plays a large role in the job duties of all bank specialists. In all banks bank specialists use computer terminals to record deposits and withdrawals. These terminals often give bank specialists quick access to detailed information on customers’ accounts.

Because banks offer more complex financial services, bank specialists in many banks are being trained to perform some functions of a customer service representative in addition to their other duties. These bank specialists must know about the various financial products and services the bank offers.

Vocabulary

Shift рабочая смена

Receive получать

Count считать

Drawer ящик стола

To verify проверять, подтверждать

Supervisor лицо, которое осуществляет надзор

Handling обращение, использование

On hand иметь на руках

To sort сортировать

Numerous многочисленный

Replenish пополнять

Corroborate подтверждать, подкреплять

ATM банкомат

To be responsible for быть ответственным за

Responsibility ответственность

Work schedule расписание, график работы

To access иметь доступ

Shipment доставка

To ensure обеспечивать, гарантировать

Job duty профессиональная обязанность

To record регистрировать

Quick быстрый, скорый

To offer предлагать

To be trained быть обученным

To perform выполнять

In addition плюс к; в добавление к

To know знать

Vault хранилище

Activity 2. Подберите к русским словам соответствующие английские эквиваленты.

	начало смены		before leaving
	сумма наличных средств, необходимых для работы, которая находится на рабочем месте специалиста		to process mail transactions
	главный специалист		complex financial services
	быть ответственным за безопасность наличных денежных средств и точное обращение с ними		an amount of working cash for the drawer
	перед уходом		to oversee shipments of cash to and from the bank
	наличные денежные средства, имеющиеся на руках		various
	проводить почтовые операции		starting the shift
	заново наполнять наличными		to be responsible for cash safe and accurate handling
	иметь доступ в хранилище		to record deposits and withdrawals
	контролировать доставку денежных средств в банк и из банка		a customer service representative
	регистрировать вложения и снятия денежных средств		to replenish cash drawers
	сложные финансовые услуги		briefly explain to customers
	представитель «Службы по работе с клиентами»		to access the vault
	быстро объяснять клиентам		cash on hand
	различный		a head specialist

Activity 3. Составьте предложения из данных слов.

1. receive and count/ Bank specialists/ for their drawer/ working cash/ before starting their shift/an amount of .

2. are responsible for/ cash safe and its accurate handling/ Head bank specialists.

3. Bank specialists/ and sort checks and deposit slips/ count cash on hand/ before leaving/make sure the account balance.

4. has more job responsibilities than/ an ordinary bank specialist/ A head bank specialist.

5. bank specialists/ In all banks/ in their work/ use modern technology.

Activity 4. Закончите предложения, используя информацию из текста.

1. Bank specialists work in …

2. I f a person needs some cash he can use …

3. The head bank specialist must control …

4. Bank specialists keep cash in …

5. Bank specialists are responsible for cash safe and …

6. A large role in the job duties of all bank specialists play …

7. Computer terminals give bank specialists access to …

8. Today many banks offer …

9. In addition to their duties bank specialists must perform some functions of …

10. All bank specialists must know about …

Activity 5. Исправьте предложения.

1. Every morning bank specialists get a lot of cash for their work.

2. The president of the Bank verifies the money.

3. Bank specialists use the cash to pay their utility bills.

4. Before leaving the bank, bank specialists count how many customers have visited the bank.

5. The President of the bank makes work schedules, accesses the vault and ensures the correct cash balance.

6. Bank specialists never use any modern technology.

7. Computer terminals give bank specialists a quick access to make friends through the Internet.

8. A customer service representative knows a lot about a customer’s life.

9. Bank customers work in shifts.

10. Automated teller machines (ATM) issue money.

Activity 6. Ответьте на вопросы.

1. What do the bank specialists do before starting their shift?

2. Who checks the amount?

3. How do bank specialists use the cash?

4. What are bank specialists responsible for?

5. What do bank specialists do before leaving the bank?

6. What other job duties do bank specialists have?

7. What does a top bank specialist do?

8. How is modern technology used in banking?

9. Why do bank specialists have to perform some functions of customer service representative?

10. What must bank specialists know about?

Activity 7. Представьте, что вы работаете в банке. Расскажите о своих должностных обязанностях.

Unit 3

Personal Qualities and Professional Skills of a Bank Specialist

Warming up

Распределите имена прилагательные в две группы:

1. Business qualities B) Personal qualities

Kind, self-motivated, organized, tolerant, responsible, qualified, computer-literate, attentive, initiative, humorous, friendly, creative, hard-working, sociable, lazy.

Activity 1. Прочитайте текст Personal qualities and professional skills of a bank specialist. Personal qualities and professional skills of a bank specialist

Text

Continual communication with customers, repetitive tasks, and long periods of sitting within a small area and a high level of attention to security characterize the job of a bank specialist.

When hiring bank specialists, banks seek applicants who have excellent communication skills, enjoy working with the public and are good at mathematics. Bank specialists must be sure handling large amounts of cash and working with computers and video terminals. In general, banks prefer applicants with some sales and cash handling experience. In some capital cities employers seek multilingual bank specialists.

Bank specialists combine customer service and knowledge of bank procedures with quickness and accuracy to process money, checks and other financial items for customers. Accuracy and attention to details are important. Bank specialists should be polite, attentive, patient in dealing with the public, because customers often judge a bank by the way they are treated at the bank specialist counter.

Maturity, tact and the ability to quickly explain bank procedures and services are important in helping customers complete transactions or make financial decisions.

Vocabulary

Communication общение

Attention внимание

Job профессия, специальность

To hire, to employ нанимать на работу

To seek искать

Applicant претендент на должность

To enjoy получать удовольствие, любить делать что-то

To be good at быть способным

To be sure быть уверенным

To prefer предпочитать

Experience опыт

Multilingual говорящий на нескольких языках

To combine объединять

Quickness быстрота, скорость

To process осуществлять

Important важный

Polite вежливый

Patient терпеливый

Public люди

To be treated обращаться

Maturity зрелость, достижение полного развития

To explain объяснять

Skill умение, навык

Activity 2. Подберите к русским словам соответствующие английские эквиваленты из текста.

Продолжительное общение с клиентами; повторяющиеся операции; долго сидеть на одном месте; огромное внимание обеспечению безопасности; иметь превосходные навыки общения; получать удовольствие от работы с людьми; обладать математическими способностями; уверенно работать с крупными суммами наличных денег; в целом (основном); имеющих опыт продаж и наличных расчетов; столичные города; объединять обслуживание клиентов со знанием банковских операций; точность и внимание к деталям очень важны; в общении с людьми; судить о банке по тому, как банковские специалисты обслуживают клиентов; умение быстро объяснить; для оказания помощи клиентам для завершения операции или принятия финансовых решений.

Activity 3. Переведите данные имена прилагательные. Составьте шесть пар слов с противоположным значением.

Monolingual, hard-working, boring, bad-tempered, lazy, rude, absent-minded, interesting, polite, multilingual, good-tempered, attentive.

Activity 4. Работайте в парах. Найдите в тексте информацию о:

1. the most important skills a bank specialist should have;

2. the most interesting sides of the job of a bank specialist;

c) the most boring things.

Activity 5. Ответьте на вопросы.

1. What characterizes the job of a bank specialist?

2. What qualities should an applicant have?

3. Should a bank specialist be professional at work?

4. What applicants do bank employers prefer?

5. Why do the banks employ multilingual bank specialists in capital cities?

6. What skills do bank specialists combine in work?

7. Why does the reputation of the bank depend upon the work of a bank specialist?

8. How must bank specialists help the customers?

Activity 6. Ниже представлены ответы представителей различных специальностей на вопрос «Чем Вам нравится Ваша работа?» и выполните задания. Some people were asked what they enjoy most about their work and what gives them satisfaction. Here are some of the comments.

Work with a partner.

a) Read and translate the phrases

b) Choose the three most important and the three least important things for a bank specialist. Read them out.

• I enjoy the responsibility.

• I help customers make financial decisions.

• I can use the office car.

• I have a good-humoured boss.

• I like to communicate with customers.

• I am my own boss.

• I like working with large amounts of cash.

• I can speak two languages.

• I enjoy power.

• I have good prospects for promotion.

• I like mathematics very much.

• I like working with office equipment, such as a fax, a computer, a photocopy machine and others.

Activity 7. Перескажите текст, используя данные фразы в качестве плана.

• A bank specialist must …

• They must be sure …

• Banks prefer applicants with …

• ….. are very important.

• Bank specialists should be …

• Bank specialists should have …

Activity 8. Выполните задания.

1. Соотнесите фразы, составьте предложения.

Dear …	from RANEPA.
I am writing to apply	at any time.
I have graduated	at math, work with computers, polite, like dealing with the public.
I have	Sir/ Madam
I am good at	for the position of a bank specialist.
Please contact me	no working experience.

1. Заполните пропуски в письме, используя фразы из A).

2. Перепишите письмо. Не забудьте подписать письмо.

Dear Sir/ Madam

I am writing to apply …

I have graduated …

I have …

I am …

And I consider myself a most suitable applicant for the job.

Please contact me …

Yours faithfully,

…

Unit 4

Training and Job Outlook

Activity 1. Прочитайте текст. Выберите правильное предложение.

1. Bank specialists will provide more services to their customers in future.

2. Bank specialists will provide fewer services to their customers in future.

Training and Job Outlook

Text

Many bank specialists are graduates from banking colleges. Newcomers usually receive on-the-job training in which bank specialists observe experienced workers before doing the work themselves. Beginners usually start with limited transactions such as cash checks and processing simple transactions before becoming full-service bank specialists.

In addition to instruction on basic duties, many banks now include extensive training in the bank’s products and services, communication and sales skills and instruction on equipment, such as ATMs and on-line terminals.

Experienced bank specialists may be promoted to a managerial position. Banks also encourage further education and additional training.

The banking industry will continue to undergo many changes that will impact employment of traditional bank specialists, who perform only routine transactions. Principal among these are technology, bank mergers, and changing employment needs. For example, ATMs, and the increased use of direct deposit of paychecks have reduced the need for bank customers to interact with bank specialists for routine transactions. In addition, Internet-banking is spreading rapidly throughout the banking industry. This type of banking, conducted over the mobile phone or through computer networks, will also reduce the number of bank specialists.

Bank specialist employment will also be impacted by the increasing use of 24-hour call-centers by many large banks. These call-centers allow a customer to interact with a bank representative at a distant location, either by telephone or video terminal. Customer service representatives, who can handle a wider variety of transactions than typical bank specialists, including loan applications and credit card issuance, usually staff such centers.

The total number of bank branches will increase to meet the needs of a growing population. Branches will be added in nontraditional locations, such as grocery stores, trade centers, and mobile trailers are designed to reach people who do not have easy access to banks. These branches are open longer hours and offer greater customer convenience. As a result, bank specialists who can provide a variety of financial services will be in greater demand in the future.

Vocabulary

Graduate выпускник

Newcomer новичок

On-the-job training обучение на рабочем месте

To observe наблюдать

To include включать

Extensive углубленный, дополнительный

То encourage поощрять

Outlook взгляд на будущее

To undergo испытывать, подвергаться

To impact влиять, воздействовать

Employment трудоустройство, занятость

To reduce сокращать

Throughout сквозь, через

To allow позволять, разрешать

To interact взаимодействовать, вступать в контакт

Loan application заявление о выдаче денежной ссуды

To staff быть персоналом

To meet the needs соответствовать потребностям

To add добавлять

Grocery store продуктовый магазин

Trade center торговый центр

Mobile trailer передвижной трейлер

Convenience удобство

To provide обеспечивать, выполнять

Demand требование

Activity 2. Подберите к русским словам соответствующие английские эквиваленты.

Заканчивать банковский колледж; обучение на рабочем месте; наблюдать за работой опытных служащих; выполнять работу самостоятельно; ограниченное количество операций; выполнять все обязанности банковского специалиста; в добавление; инструкции по выполнению основных обязанностей; углубленное изучение банковских продуктов и услуг; умение общаться с людьми; умение продавать; инструкции по использованию оборудования; терминал; получить повышение на должность; поощрять дальнейшее образование; дополнительная стажировка; будет продолжать испытывать изменения; будет влиять на трудоустройство; выполнять только рутинные операции; слияние банков; сокращать необходимость взаимодействовать; быстро распространяться; осуществлять по телефону; сократить число; увеличение использования круглосуточных телефонных центров; представитель службы работе с клиентами; осуществлять более разнообразные операции, чем; быть персоналом; общее число филиалов банков; чтобы соответствовать нуждам растущего населения; которые не имеют легкого доступа в банк; предлагать более удобное обслуживание; пользоваться большим спросом в будущем.

Activity 3. Заполните таблицу, выписав из текста пропущенные имена существительные NOUNS, прилагательные ADJECTIVES или глаголы VERBS. Переведите слова.

Adjective	Noun	Verb	Noun
	bank	to graduate
	cash	to train
	manager	to work
	tradition	to serve
	finance	to sale
	change	to employ

Activity 4. Вставьте необходимые предлоги. Переведите фразы.

To, with, by, of, in, throughout, from, over, on

1. A graduate … a Banking College

2. An instruction … basic duties

3. Training … the bank’s products and services

4. An instruction … equipment

5. To be promoted … a managerial position

6. Employment … traditional bank specialists

7. Use of direct deposits … paychecks

8. To interact … a bank

9. To spread … the banking industry

10. To conduct … the telephone

11. To be impacted … the use of 24-phone centers

12. The needs … a growing population

13. To be … demand

Activity 5.

Когда мы говорим о том, что будет в будущем, мы используем The FUTURE SIMPLE

The Future Simple = WILL+ INFINITIVE

I will work We will work

You will work You will work

He will work They will work

She will work

It will work

Найдите в тексте примеры The Future Simple. Переведите предложения.

Activity 6. Для выражения собственного мнения рекомендуется использовать фразы:

To my mind По-моему мнению

In my opinion По-моему мнению

I’m sure Я уверен

I think Я думаю

Составьте и запишите предложения, используя фразы из таблицы.

To my mind, In my opinion, I think, I’m sure,	experienced specialists will be in greater demand in the future.
	good education will be very important.
	any bank specialist will know about different bank’s products and services.
	technology, bank mergers and changing employment needs will impact banking industry.
	customers will use computer and telephone banking in future.
	the number of traditional bank specialists will be reduced.
	call-centers will allow customers to interact with a bank at any time.
	the number of population will grow.
	a lot of bank branches will be added at grocery shops and trade centers.
	bank branches will be open 24 hours and will offer more services.

Activity 7. Ответьте на вопросы.

1. What education do many bank specialists have?

2. What are the duties of newcomers?

3. What other kinds of training do many banks include?

4. What promotion may experienced bank specialists have?

5. What principal changes will impact employment of traditional bank specialists?

6. What can reduce the need for bank customers to interact with bank specialists?

7. How does the work of 24-hour phone centers differ from the traditional banking?

8. What job duties do customer service representatives have?

9. Where will bank branches be added?

10. What bank specialists will be in greater demand in the future?

Activity 8. Представьте, что вы выступаете с речью перед выпускниками – будущими специалистами банковского дела. Для составления речи на тему “A Job Outlook” используйте фразы Activity 6 и изученную тематическую лексику.

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