Basically, in a bank, four types of job titles are available and they are sub staff, clerical cadre, generalist officer/probationary officer (PO) and specialist officer cadre. All these cadres are integral part of operation in a bank as they contribute to the business and growth of the bank in a meaningful and effective manner
Now, we shall see the job profiles of various cadres of staff in the banks:
- Sub staffs: They are responsible for keeping the vouchers in safe custody, movement of vouchers for authorisation, safe keeping of records for future use, sweeping and cleaning the bank etc.
- Clerks: This is one of the most important cadres in a bank as customers come in contact with the clerks at very first place. A clerk is responsible for managing cash entries, receipts and payments, account opening, ledger maintenance, clearing house duties, loan account opening, disbursal, opening term deposit accounts, tallying the cash balance at the end of the day etc.
- Generalist Officers: A PO in a commercial bank is generally assigned to either operations department or credit department. As an officer of the operations section, a PO is assigned duties like opening accounts, passing cheques and vouchers, alternate delivery channel maintenance etc whereas in the credit section, the job is to give new loans as well to review the old ones in time. In a RRB, however, a PO is basically related to promoting rural financing and disbursal of agri-loans because that is what RRBs are meant for.
- Specialist Officers: A Specialist Officer (SO) of a bank is generally posted in the regional office of the bank in a particular region except Agriculture Field Officers who are basically posted in rural branches. A SO needs to take care of their specialised segment like Information Technology or Human Resource etc.
In a bank, clerks are the first point of contact while officers are basically supervising authority as well as they are involved in marketing of products. However, specialist officers are allotted to their specialised segment only.