Commercial Bill Discount Clerk (Bank)
しょうぎょうてがたわりびきじむいん
Industry & Occupation
Classification
- Major : Clerical Occupations
- Middle : Accounting Clerical Occupations
- Minor : Deposit and Savings Counter Clerks
Summary
Clerical position at bank counters responsible for commercial bill discounting operations, including bill examinations, interest calculations, and fund procurement procedures.
Description
Commercial Bill Discount Clerks (Bank) handle the purchase of commercial bills brought in by companies or individuals, paying customers the amount minus discount interest until maturity. They examine the authenticity and creditworthiness of bills, perform accurate interest calculations and accounting processes, provide explanations to customers, create and manage contract documents, and carry out a wide range of clerical tasks including system inputs. Compliance with laws and internal regulations is required, along with courteous customer service, and coordination with teams and other departments is important.
Future Outlook
Although commercial bill transactions are declining due to electronic settlements and other factors, demand for funding and financial services for SMEs continues, and there is strong expectation for personnel with specialized knowledge.
Personality Traits
Accurate / Honest / Sociable / Strong sense of responsibility
Work Style
Career Path
Window clerk → Credit examiner → Risk management specialist → Branch manager → Head office staff
Required Skills
Bank system operation / Bill discounting / Bookkeeping knowledge / Cash management / Customer service skills
Recommended Skills
Compliance / Financial product knowledge / Foreign language support / Risk management
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Attention to Detail & Accuracy | Accuracy is essential to prevent mistakes when handling money. |
| Communication Skills | Because accurate and courteous communication is required in customer interactions. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Creativity & Ideation | Because routine procedures are the main focus, and creativity is not particularly required. |
| Physical Stamina & Endurance | Mainly desk work, so physical burden is low. |
Related Qualifications
- Banking Operations Certification Exam (Foreign Exchange and Savings)
- Financial Planning Skills Test
- Nissho Bookkeeping Certification Level 2 or higher
Aliases
- Bill Discount Clerk
- Discount Window Clerk
Related Jobs
- Credit Union Window Staff
- Deposit Window Clerk
- Examiner
- Foreign Exchange Dealer
- General Clerk