Every year, Lakhs of candidates take SBI PO exam to get selected for the job role of probationary officer, as it is a reputed government bank job. The lucrative salary, growth opportunities, and the perks and allowances that the job offers are another allurement for many aspirants. But have you wondered what an SBI PO officer does? What are their key roles and KPIs?
Work of an SBI PO?
A probationary officer is an entry-level position in the State Bank of India, in which selected officers are on a probationary period for 2 years, during which they will be given intensive training. Towards the end of the 2-year period, they have to pass an exam, and the ones who get the standard results are promoted to a higher cadre.
Key Responsibilities of an SBI PO
The key responsibilities of an SBI PO are as follows-
Customer service
POs are usually the first point of contact for customers, and their major task is to handle customer queries and complaints. They also give complete assistance to the customers in the loan process.
Cash Handling and Operations
As a Probabtionary officer in State Bank of India, one has to handle daily cash transactions, and also approve high value transactions above a certain limit. Lookout for other operational functions such as NEFT, RTGS, fund transfers, and demand drafts.
Account Opening & Verification
To keep a check on the overall procedure of account opening and verification. To make sure that the process of KYC compliance and documentation has been followed properly.
Loan Processing
As already mentioned above POs assist in the procedure of loan processing, they analyze all kinds of loan applications whether it is for home, personal or business. They conduct background checks, evaluation of assets and documentation of the following also. Ensure followups for loan repayment and also solve queries.
Clerical Supervision
To supervise the clerical staff and ensure that all the payments and withdrawals are on time and the process is thoroughly followed.
Official Communication and Reporting
To communicate or submit reports to the zonal and regional offices. Also, make a monthly and quarterly report on the branch performance. To make sure that all the necessary messages are clearly conveyed to lower-level staff.
Sales and Cross-Selling
To promote banking products and services such as credit cards, loan services and mutual funds. As a PO you have to make sure that you meet the sales target that has been set by the branch manager.
Digital Banking Assistance
As a probationary officer, you have to give information regarding the net banking, UPI, and other digital services to the existing and new customers. To handle tech-related issues such as failed transactions, password resets. Along with all these, they have to promote the usage of digital banking methods more among the customers.
SBI PO Training and Probation
As already mentioned above, there will be a two year probation period and after that the officers has to give an assessment. The scores they get in the examination will decide their promotion as assistant managers.
During the probation period, one has to go for rigorous training in which they are trained on subjects like retail banking, agricultural finance, corporate credit, and foreign exchange.
Career Opportunities After SBI PO
The flow chart given below, it shows the career opportunities that a PO has after successfully surviving the probation period. The promotion of an SBI PO is as follows-
- Assistant Manager
- Deputy Manager
- Manager
- Chief Manager
- Assistant General Manager
- Deputy General Manager
- General Manager
- Chief General Manager
- Deputy Managing Director
- Managing Director
- Chairman
Conclusion
In this blog, we have given all the information regarding the career opportunities that an SBI PO has for an individual. Go through the blog, check whether it matches your career preferences or not and therefore you can prepare accordingly. If you have decided to give a chance to SBI PO, then we have an especially designed mock test series in which you will get a full-length mock test along with three topic tests absolutely free.
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FAQs
The key responsibilities of a probationary officer in SBI include customer satisfaction, analysing loan applications, meeting sales targets, overseeing of clerical cadre, and many other administrative tasks.
SBI PO is a reputed public sector banking job in which a 2-year probation period is served, and if the individual clears the test after 2 years of training, then they will be considered as a permanent employee.
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