August, 2017

Bank Exams

You Got Your Dream Bank Job! Now What Exactly do you need to do?


IBPS PO Job Profile in a Bank

Probationary Officer (PO) is a very lucrative post among bank aspirants as it is the first ladder to enter and serve as an Officer in Banking Industry. Many of the aspirants have no idea what is the total number of tentative IBPS PO vacancies, what actually a Probationary Officer does, so we are providing an article to clear all their doubts. Here are IBPS PO roles and responsibilities that will help you get a better idea of the work profile.

IBPS PO Job Profile

Designation Probationary Officers holds (PO) in banks -

The IBPS PO work profile includes holding the designation of an Assistant Manager (AM) on Probation. He is in Junior Management Grade-1 (JMG-Scale 1) Officer thus he is often called as Scale 1 Officer or Asst. Manager.

Initial Posting of Probationary Officer(PO) -

If you get selected as a Probationary Officer, you will go through Induction training program in Management Training Academies of the bank which lasts for 10 to 20 days. The duration of training varies from bank to bank. After completion of their induction training in Management Training Academies, a PO can be posted anywhere in India, as the service of Government Bank Officer is All India based service.

They can be posted as an Asst. Manager on probation in different branches or Head Office or Corporate Office or Zonal Offices or in specialized branches like microstate branches, treasury Branches etc. as per placement policy of particular banks.

Duration of Probation Period -

Normally the probation period is of two years in which the officer is exposed to different types of banking related works. In some banks, the duration may be limited to one year. Probation period in some banks is divided into phases which vary from banks to banks.

Ex - In Indian Bank

Ist Phase- 6 months,

IInd Phase-6 months and

IIIrd Phase- 1 year.

The officers or probationers may undergo frequent transfers or deputations during the probation period. Once the probation period is completed the officer is confirmed as an Assistant Manager and gets his or her permanent posting after satisfied Police Verification report from their Local SSP Office or police station.

Some banks are nowadays placing officers as Deputy Managers also, just after confirmation, provided they pass the test conducted by the bank.

For example: State Bank of India conducts a confirmation exam. If a probationary officer passes the exam, he is confirmed as an Assistant Manager. In fact, State Bank of India even gives a chance for promotion to Scale II to candidates who perform exceptionally well in the exam. Other Nationalized Banks do not conduct exams for confirmation.

Role of Probationary Officers (PO) in banks -

POs are the talented young officers who have ample of potential and a great zeal to work faster and perform better than others.Here is a list of characteristics of an IBPS PO job profile-

Multitasking job –The role of PO is a multi tasking job and they are assigned for various banking activities, which helps them to get familiar with various working procedures of the bank.

Practical knowledge– POs are practically trained in various fields, like – Marketing, Accounting, Loans & Advances as well as Finance.

Customer services– Often POs are required to handle the customers of the banks, used to guide them about the banking facilities and products available to them, like issuing Cheque books, ATM cards, Demand Draft, etc. Customer complaints like discrepancies in accounts, rectification of undue charges are also handled by them.

Supervision of Clerical work– All the clerical work such as managing cash, opening account and customer dealing is done under the supervision of POs. In case of cash transactions, PO is responsible to check whether Clerk entered everything correctly or not and authorize the transactions.

Loan Processing– One of the major functions of the bank i.e. providing a loan to the needful is also taken care of by a PO. Before granting the loan to the customer, all the documentation is to be done under his/her supervision.

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