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Evaluation of The Responsibilities of a Personal Banker

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Personal banking officers (loan officers) examine, evaluate and process credit and loan applications. The titles “personal banking officer” and “personal banking representative” are new and reflect recent changes in many financial institutions. Many of these workers now perform other client services, such as investment and savings counselling or selling investment funds. They are employed by banks, trust companies, credit unions and similar financial institutions.


Business diploma programs are available at all B.C. public colleges and university colleges. These programs prepare graduates for entry-level positions in both public and private enterprises. Admission requirements generally include grade 12, with a strong background in mathematics and English.

Undergraduate programs in business administration and commerce are available at most public universities in B.C. Various concentrations or options are available, including accounting, finance, international business, marketing, policy analysis and human resource management. As well, the British Columbia Institute of Technology, Open University and most university colleges offer bachelor’s degrees in business administration. Admission to undergraduate programs requires graduation from secondary school, with a strong background in mathematics, business and English.

  • High School Prerequisites
  • Prerequisites to Post-Secondary education in this field include strength in the following areas/courses:
  • Accounting 12
  • Math 12
  • English 12
  • Business Education 12
  • Time On the Job Necessary to Advance

Generally, people work their way up to these positions from within an institution, and it is only when eligible candidates are not available from within that applications are accepted from outside. Usually loan officers start as customer service representatives and, through experience and on-the-job training, acquire the skills and knowledge required to become a loan officer.

Typical Income

According to 1995 salary figures, all workers, including those who worked part time or part year, earned on average $34,600, compared to the all-occupation provincial average of $27,900. Workers employed full time for the whole year earned $39,400. Workers with a higher than average level of training or experience will likely earn above-average salaries.

Recent college graduates who found work as personal banking officers reported an average monthly salary of $2,260 (this would include both full- and part-time work). For those who work for the full year, that will mean an annual starting salary of about $27,100. Industry sources suggest a somewhat higher starting salary for full-time work of about $30,000 per year, with experienced, qualified workers able to earn as much as $55,000 a year.

Skills and Necessary Aptitude

Personal banking officers must have excellent listening and negotiating skills, sales skills and problem-solving skills. They should take the initiative and be detail and achievement oriented. They should enjoy working with people as well as numbers. Ongoing professional development is necessary in order to stay in touch with the new services that financial institutions offer as well as the application of new computer technology.

Societies View

This job is viewed highly by society, because these people deal with large amounts of money and this quality is almost always respected. On the other hand some people may not like them if they are turned down for a loan. I personally respect people that do this job because they need to make responsible decisions with other peoples money, and usually make good decisions on whom to grant loans.

Dress Code

A suit and tie is a definite requirement for this job. As these people interact with the public directly, there are no casual Fridays and they will always dress formally.

Attraction To this Career

A person may be attracted to this career because they may be a very good judge of character, or good at interpreting someones thoughts about their money, or if they enjoy giving people advice.

Interest to Me Personally

This career interests me personally because I think that I would be good at being able to tell who deserves a loan, and who doesn’t. I also think that I would be good at reasoning with people to find out what kind of investments they should put their money in.

Employment Opportunities

This is a medium-sized occupational group, made up of 3,410 workers in B.C. in 1998. Projections call for a growth rate of 1.9%, faster than average for all occupations. This will result in 1,260 employment openings between 1998 and 2008. Most of these openings (57%) will result from growth in new jobs. The rest will result from the need to replace workers who retire. So this is not exactly a bountiful field of work.

Typical Duties

Travel counsellors advise clients on travel options and tour packages, make bookings and reservations, prepare tickets and receive payment. They are employed by travel agencies, hotel chains and transportation and tourism firms.


Grade 12 is the minimum education required to enter into the field of travel counselling, but applicants have a better chance of employment if they have taken a travel and tourism program from a school or college accredited by the Canadian Institute of Travel Counsellors (CITC). A certified travel counsellor designation is granted by CITC and the Alliance of Canadian Travel Associations after three years of work experience and completion of courses and examinations. Computer experience and sales skills are generally required. Human resource skills and accounting knowledge may be beneficial for those who wish to succeed.

Camosun College and North Island College both offer six-month travel counselling certificate programs, which prepare students for entry-level positions as travel counsellors. This program can be taken part time at Camosun. Vancouver Community College offers a seven-month Travel Agent certificate, which provides students with skills and knowledge to enter the travel agency profession. The continuing education departments at Kwantlen University College (KUC) and Okanagan University College offer Travel Counsellor certificate programs. KUC follows this up with about four weeks of work experience for qualifying students. Grade 12 is required for admission into all of these programs, and keyboarding skills and knowledge of geography are either required or recommended.

High School Prerequisites

  • The following courses apply to employment in this field:
  • Geography 12
  • Keyboarding 12
  • French, Japanese or German 12 (not required, but is an asset)
  • Typical Income Range

In 1995 the average annual earnings for all travel counsellors in B.C. were $20,600. The 52% who worked full time for the full year earned an average of $25,300. The respective all-occupation averages were $27,900 and $39,400. According to a recent survey of college graduates, those who found work in this occupation reported average earnings of $1,570 per month ($18,800 per year). These statistics were a bit of a let down.

Skills and Necessary Aptitude

You need a basic, working, knowledge of foreign policies, customs, currencies and you need to be prepared to answer any questions that a customer may ask you about any country that they may be interested in visiting. Good customer service skills are a must.

Attraction to This Career

A person may be attracted to this career if they like to travel, or at least to talk about travel. For this career, you have to be okay with being expected to work under tremendous pressure. From your clients and what not.

My Interest in This Career. I am interested because I think that it would be fun to plan other peoples itineraries, and another perk would be that you would be that you could find the best deals on airfare, bus fare or cruises or Hotel accommodations.

Importance of This Industry

A rapidly growing tourism industry is a source of growth for these workers. Travel counsellors are organizing tours for a growing number of foreign visitors. According to Tourism B.C, the nearly twenty-two million overnight visitors who visited B.C. in 1998 spent $8.8 billion. The tourism industry is one of, if not, the biggest in B.C.

Negative aspects

In this career, you are working under a large amount of pressure, booking peoples flights, hotels, car rentals, and the phone is constantly ringing. The salary in this career is also a negative point; it is well below the average of all careers.

Employment Opportunities

Competition for job openings in this field is keen. Those who are fluent in a number of different languages, particularly Asian languages, have the best opportunity to penetrate and succeed in this field. Computer skills are also considered to be an asset by employers. Employment in this field is very sensitive to economic conditions, so the number of openings is likely to fluctuate throughout this overall growth period.

Securing a position in this Field

Travel experience is an asset, as is knowledge of geography. Strong interpersonal skills and an aptitude for selling are important. Organizational and problem-solving abilities are needed, and computer skills are usually required. These people should enjoy performing detailed work, be able to work under pressure and have good memory.


Optometrists provide public health services in vision care. They examine eyes to diagnose vision problems and ocular disease (disease pertaining to the eye). They prescribe and fit eyeglasses and contact lenses and recommend treatments, such as exercises to correct vision problems or ocular disorders. They work in private practice, in clinics and community health centres.


In order to practise as an optometrist in B.C. completion of a Doctor of Optometry (OD) degree is necessary. The total university training period is at least six years in duration, including two years of university science followed by four years in a professional optometric program (including 12 months of practical clinical training). Optometrists in B.C. must pass a provincial board examination and be registered with the Board of Examiners in Optometry of B.C. In Canada there are only two schools that offer an OD. They are the University of Waterloo in Ontario (instruction in English) and the University of Montreal in Quebec (instruction in French). B.C. has an interprovincial agreement with the University of Waterloo to train as many as five B.C. students in their optometry program each year. Competition for admission into optometry programs is keen as clinical facilities can only accommodate a portion of those who apply.

High School Prerequisites

High School students interested in becoming optometrists should take the most advanced courses of biology, zoology, physics, chemistry, calculus and introductory psychology offered at their school. At Cambie, for instance, Health Science would be a great course to take.

Time on Job Until Advancement

In university, you are required to work with an optometrist for a year and a half. But most optometrists run their own practice so they can be the head doctors, unless they go and work for another optometrist.

Typical Income Range

The average earnings for this profession in 1995 were $44,900. Among those who worked full time over the entire year (59%), the average earnings were $48,500. The respective all-occupation averages in the province in 1995 were $27,900 and $39,400.

Skills and Aptitude

They should be emotionally stable, have manual dexterity, be able to work with a high degree of precision and attention to detail and show initiative. Photography and astronomy are hobbies that will give a student insight into the laws of lenses, light and refraction. To be successful in this field, optometrists need good practice management and marketing skills and must be involved in continuing education in all areas of practice (but especially in the treatment of eye diseases).

View of Society

This job is highly regarded by society, as there is much training involved and they are doctors. I hold people in this career in high regard as well because of their years of schooling.

Dress Code

The doctors will always be wearing a shirt and tie, and most of the time they are wearing their white lab coats.

Attraction to this Career

Someone would be attracted to this career if they were interested in higher education and the exact science of diagnosing and treating eye disorders.

My Interest in this Career

I am interested in this career because I like the way it is regarded by society, I like the salary, and I like the idea of also running my own business.

Importance of this Career

This career is important because, there are always going to be people with vision/eye problems and there will always be a need for people to treat or cure these problems.

Negative Aspects

On the downside it is very unlikely that you will become a doctor of optometry because of the limits placed on the applicants, and the cost of the education would be outrageous.

Employment Opportunities

This is a very small occupational group, and the total number of job openings between 1998 and 2008 is estimated at only 80, or an average of eight openings per year. Approximately three-quarters of the total are expected to be due to economic growth, with the remaining one-quarter replacing those who retire.

There are few openings due to turnover as this is a very stable profession. There will be a few openings to replace those who decide to return to school or leave to raise children, but very few of these professionals transfer to other occupations.

Technological developments will probably act to limit somewhat the growth in employment for optometrists. It is anticipated that productivity gains will occur in the profession through the use of new types of equipment and instruments. This will allow each optometrist to see more patients while providing the same level of vision care and will therefore limit employment growth. Laser eye surgery to correct short-sightedness may reduce the need for corrective lenses for some people.

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Evaluation of the Responsibilities of a Personal Banker. (2019, February 12). GradesFixer. Retrieved October 28, 2021, from
“Evaluation of the Responsibilities of a Personal Banker.” GradesFixer, 12 Feb. 2019,
Evaluation of the Responsibilities of a Personal Banker. [online]. Available at: <> [Accessed 28 Oct. 2021].
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