Careers rarely develop the way we plan them. Our career path often takes many twists and turns, with particular events, choices and people influencing our direction.

We asked Karl Curran from Insurance to give some advice for people considering this job:

 

Karl Curran

Associate Director

Insurance

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  Karl Curran
I would highly recommend this job but I’d say to start taking insurance exams as soon as possible and get them done while you’re young.

I’d also recommend talking to as many people in the industry to see what area of insurance you want to go into i.e. Insurer, Broker, Loss Adjuster etc. – they’re very different!
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Realist?
Realist 
Realists are usually interested in 'things' - such as buildings, mechanics, equipment, tools, electronics etc. Their primary focus is dealing with these - as in building, fixing, operating or designing them. Involvement in these areas leads to high manual skills, or a fine aptitude for practical design - as found in the various forms of engineering.

Realists like to find practical solutions to problems using tools, technology and skilled work. Realists usually prefer to be active in their work environment, often do most of their work alone, and enjoy taking decisive action with a minimum amount of discussion and paperwork.
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Occupation Details

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Commercial Banking Officer

Job Zone

Education
Most occupations in this zone require job specific training (vocational training) related to the occupation (NFQ Levels 5 and 6 or higher), related on-the-job experience, or a relevant professional award.

Related Experience
Previous work-related skill, knowledge, or experience is required for these occupations. For example, electricians typically complete four years of training in order to perform the job.

Job Training
Employees in these occupations usually need one or two years of training involving both on-the-job experience and informal training with experienced workers. A recognised apprenticeship program may be associated with these occupations.

Job Zone Examples
These occupations usually involve using communication and organisational skills to coordinate, supervise, manage, or train others to accomplish goals. Examples include restaurant managers, electricians, agricultural technicians, legal secretaries, hairdressers, and web developers.

€23k > 63 
Bank Officer
Salary Range
(thousands per year)*
€23 - 63 
Related Information:
Data Source(s):
payscale.com

Last Updated: April, 2014

* The lower figures typically reflect starting salaries. Higher salaries are awarded to those with greater experience and responsibility. Positions in Dublin sometimes command higher salaries.
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At a Glance... header image

Responsible for the monitoring and control of commercial loans.


Tasks & Activitiesheader image

The following is a list of the most commonly reported tasks and activities for this occupation

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Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

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Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.

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Meet with applicants to obtain information for loan applications and to answer questions about the process.

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Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

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Review loan agreements to ensure that they are complete and accurate according to policy.

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Approve loans within specified limits, and refer loan applications outside those limits to management for approval.

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Handle customer complaints and take appropriate action to resolve them.

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Stay abreast of new types of loans and other financial services and products to better meet customers' needs.

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Review and update credit and loan files.

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Submit applications to credit analysts for verification and recommendation.

Work Activities header image

The following is a list of the most commonly reported work activities in this occupation.

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Establishing and Maintaining Interpersonal Relationships:  Developing constructive and cooperative working relationships with others, and maintaining them over time.

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Organizing, Planning, and Prioritizing Work:  Developing specific goals and plans to prioritize, organize, and accomplish your work.

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Updating and Using Relevant Knowledge:  Keeping up-to-date technically and applying new knowledge to your job.

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Getting Information:  Observing, receiving, and otherwise obtaining information from all relevant sources.

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Performing for or Working Directly with the Public:  Performing for people or dealing directly with the public. This includes serving customers in restaurants and stores, and receiving clients or guests.

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Making Decisions and Solving Problems:  Analyzing information and evaluating results to choose the best solution and solve problems.

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Resolving Conflicts and Negotiating with Others:  Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.

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Communicating with Persons Outside Organization:  Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail.

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Processing Information:  Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.

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Provide Consultation and Advice to Others:  Providing guidance and expert advice to management or other groups on technical, systems-, or process-related topics.


Knowledge header image

The following is a list of the five most commonly reported knowledge areas for this occupation.

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Customer and Personal Service:  Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.

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Economics and Accounting:  Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.

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English Language:  Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

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Mathematics:  Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.

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Sales and Marketing:  Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.


Skillsheader image

The following is a list of the most commonly reported skills used in this occupation.

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Reading Comprehension:   Understanding written sentences and paragraphs in work related documents.

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Active Listening:   Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

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Speaking:   Talking to others to convey information effectively.

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Critical Thinking:   Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

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Judgment and Decision Making:   Considering the relative costs and benefits of potential actions to choose the most appropriate one.

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Service Orientation:   Actively looking for ways to help people.

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Writing:   Communicating effectively in writing as appropriate for the needs of the audience.

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Mathematics:   Using mathematics to solve problems.

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Complex Problem Solving:   Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.

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Active Learning:   Understanding the implications of new information for both current and future problem-solving and decision-making.

Further Informationheader image

A detailed description of this occupation can be found on a number of online databases. Follow the link(s) below to access this information:

Note: you will be leaving the CareersPortal Site

Go..Banker, commercial/corporate lending - from:  GradIreland

Related Occupationsheader image

Contactsheader image

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Organisation: Irish Banking Federation
  Address: Nassau House, Nassau St. Dublin 2
  Tel: (01) 671 5311
  Email: Click here
  Url Click here

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Organisation: Institute of Bankers in Ireland
  Address: 1 North Wall Quay, Dublin 1.
  Tel: (01) 611 6500
  Email: Click here
  Url Click here

 

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Career Guidance

This occupation is popular with people who have the following Career Interests...


...and for people who like working in the following Career Sectors:

Banking, Insurance & Financial Services

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Further Ed & PLC Course Suggestions
If you are interested in this occupation, then the following courses may also be of interest. Note that these course suggestions are not intended to indicate that they lead directly to this occupation, only that they are related in some way and may be worth exploring.

Courses found: 8