javascript:void(0) Bank PO Career Path, Career Growth and Job Profile - Know All about Bank Probationary Officer Job ~ Bank Exams

Bank PO Career Path, Career Growth and Job Profile - Know All about Bank Probationary Officer Job

Bank PO Career Path, Career Growth and Job Profile
Every year there are various competitive exams conducted by different organizations for the job seekers. But, in this Era the most popular career according to young graduates is career of a Bank Probationary Officer (PO). Probationary Officer is one post that is regularly advertised for Bank recruitment however most of the candidates who are new to banking exams do not really understand exact job profile, work involved, functions and many more facts related to Probationary Officer.

Hence, we felt it would be better to analyze the job profile in detail and enabling aspirants to understand the position and career of a Probationary Officer in a better manner. This will help them to understand all about a Bank Probationary Officer before applying for the upcoming bank exams.


Before dreaming to be a PO, the aspirants must know all the necessary and basic roles and responsibilities of the Probationary Officer. Today, a Bank PO position is seen with tremendous respect in the society as it secures a lifelong opportunity to grow, prosper and serve the society in a responsible position in the banking industry. And, therefore, every bank PO exam attract lakhs of talented aspirants to compete for a few vacancies notified by the banks.


The starting level position in the officer category in a bank is that of a Probationary Officer, after that there will be promotion based on the performance of employee.

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There are many different well-known institutes which guide and teach the aspirants about basic tricks and techniques to appear in the examination. The opportunity to become a Bank PO is through a Common Written Examination which is being conducted by Institute Of Banking Personnel Selection. State Bank of India and Reserve Bank of India also provide good opportunities to the job seekers to enter into Banking Sector as PO or Grade B Officer.

WHY IS IT CALLED A PROBATIONARY OFFICER (PO)?

Graduate and freshers of a college without any experience can join the banking sector as a Clerk and PO (Scale I) only on the basis of a written test and interview conducted by Banking Service Recruitment Board. Since, they join the bank at a junior level they are called Probationary Officer and they remain on probation for 2 years but actual position is Assistant Manager. These officers work as a Probationers for the first two years and gain experience in various type of banking operations e.g. loans, savings and current accounts, forex operations etc. afterwards they are confirmed as Assistant Managers. The PO has various responsibilities which are assigned by the seniors and they have to work in several departments of the bank from time to time.

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ROLES AND RESPONSIBILITIES OF A BANK PO:

While on job, there are some important roles and responsibilities of PO in banks. The Bank PO is involved in various operations such as General Banking, loans, mortgages and also in providing different banking services. There are various other roles and responsibilities of a Bank Probationary Officer such as:

Bring New Business: While dealing with the customers directly, it is naturally expected to promote various products and services of the bank such as fixed deposits, mutual funds, insurance policies, credit cards etc.
Service Customers: Servicing a customer by providing them necessary information.
Handle Cash: PO will be trained about transaction software, Cash disbursal, loading the ATM machines and collection from cashiers.
Payment Clearances: Discrepancies related to a customer account will be handled by PO such as DD/ NEFT/RTGS beyond a certain amount need to be authorized and cleared only by a person of officer cadre.
Official Communication: A Probationary Officer need to keep a track of all latest developments to improve their product knowledge as they will be interacted with customers more.

PERSONALITY OF A BANK PO:

Good verbal and communication skills is quite essential for the bank PO, who can handle complaints and problems of the customers patiently and calmly. Employees joining as a PO should be able to lead, motivate and manage the bank staff as well as they should have a mathematical aptitude. Practical nature, flexibility, self-confidence, ability to cope up with stress and handle pressure and also a sharp, quick and analytical mind.

CAREER GROWTH OF A BANK PO:

As we know with high responsibilities of the job, there are good chances to get promoted from bank PO post in every 3-4 years. A bank PO enjoys a very good reputation in society because bank jobs are considered as a reputed job. The job of a Bank PO is highly demanding and is highly secure in nature as the job governed by IBA rules and regulations. A Bank PO can retire as the Chairman of a bank as all the Chairman of Public Sectors banks have started their career as a Bank PO only.


When we talk about work of a Bank PO, curiosity arises to know the bank PO salary. While, the pay scale for PO (Scale I) has revised recently and apart from the salary there are various allowances also. You can check the detailed salary and perks of a Bank PO here.

WORKING CONDITIONS AND INCENTIVES OF A BANK PO:

The working timings for a Bank PO will be generally 35 hours a week and the timings will be usually 9:00 am to 4:00 pm with outer limits of 8:00 am to 6:30 pm. The bank provides different incentives to their employee such as Leaves, Sickness, Maternity leaves, Medical allowances and Pensions etc. The annual leave will be 12 casual leave and about 30 Earned leaves in a full year calendar that operates from 1st April to 31st March. In addition of this all bank employees will get about 12 Bank and Public holidays each year as and when they occur. In spite of leaves there will be full pay sickness allowance is payable according to length of the services.
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