Is a financial service professional who serves as the primary point of contact for most bank customers, administering basic banking transactions , documentation and administrative functions.

A clerk is mostly a front staff in a bank. Depending on the requirement clerks are placed at different counters of the banks e.g. savings, deposit, retail loans, cash credit, agricultural loans, credit cards, government business, cash receipt or payment etc. Maximum customer interface in banks occurs at these counters managed by clerical staff.

A Probationary Officer (PO) in the bank is the starting level appointment for bank officers. The POs have a one or two years probation period during which they are given exposure to various important functions of the bank such as Loans & Advances, Foreign exchange, Credit Rating, Treasury, Risk Management, IT, Marketing etc.

Vacancies in officers cadre in public sector banks are filled from within the organization after promotion of clerks and also by direct recruitment. To meet the shortage of manpower in officers cadre, now a days the public sector banks are required to recruit large number of officers. Most of the vacancies for which recruitments are made are in junior management Graduate Scale I, which is the entry level position for joining a public sector bank as an officer. This entry level position is known as that of probationary officer or management trainee. Bank probationary officers can come from any discipline or field of study, although there is a misconception that only people from commerce or finance background are eligible. A finance or commerce background may help the candidate adjust to the banking environments faster than others but banks recruit talents from diverse backgrounds of science, literature etc.