Important Dates
|
Particulars |
Date |
|
Commencement date of on-line application |
11th January 2024 |
|
Last Date of the online application |
25th January 2024 |
|
Date of Online Examination |
February/March 2024 |
Number of Vacancies
|
Post / s |
Maximum Age as on 30.09.2023 |
Total |
|
Credit Officer Scale II |
33 years |
50 |
Relaxation in Age Limit
|
Category |
Age Relaxation |
|
Scheduled Caste/ scheduled Tribe Candidates |
By 5 years |
|
Other Backward classes (OBC) Candidates (Non-Creamy layer) |
By 3 years |
|
Children/Family member of those who died in the 1984 riots |
By 5 years |
|
PWBD |
By 10 years |
|
Ex-servicemen/Commissioned officers including ECOs/ SSCOs who have rendered at last 5 years military service and have been released on completion of assignment (including those whose assignment is due to be completed within 12 months from the date of application) otherwise than by way of dismissal or discharge on account of misconduct or inefficiency or physical disability attributable to military service or invalidment, subject to ceiling as per government guildlines. |
By 5 years |
Note: The Maximum age limit of other Backward classes candidates is applicable to General Category.
Qualification (As on 30.09.2023)
|
Posts |
Qualifications |
|
Credit Officer Scale II |
Graduation with full time MBA/MMS(Finance)/ Full time PGDBM (Banking & Finance) With aggregate Of 60% Marks From AICTE / UGC approved University/college. (55% for SC/ST/OBC/PWBD) Or A pass in final examination of the Institute of Chartered Accountants of India (ICAI). |
Experience (As on 30.09.2023)
|
Credit Officer Scale II |
|
For CA Candidates – Nil For MBA/MMS (Finance)/ PGDBM (Banking & Finance) candidates – Minimum 3 years’ post qualification experience as an officer in a PSB/Private Bank/ PSU. (Candidates from NBFCs/RRBs/ Cooperative Banks/ Insurance sector either regular or part time shall not be eligible) |
Probation Period
|
Scale |
Probation Period |
|
Scale II |
2 years |
Selection Procedure
Selection will be through on-line written test and personal interview. Merely satisfying the eligibility norms does not entitled a candidate to be called for Test or Interview. Online Examination (Exam pattern)
|
Name of section |
No. of questions |
Time allotted |
|
Stream / category Specific Questions |
60 |
Composite time of 60 minutes |
|
Computer Knowledge |
20 |
|
|
Banking, Present Economic Scenario & General Awareness |
20 |
|
|
Total |
100 |
|
The test will be available bilingually, i.e. English and Hindi. All questions will be objective type with Five options. There will be penalty for wrong answers marked in Online Test. For each question for which a wrong answers has been given by the candidate one fourth Or 0.25 of the marks assigned to that question will be deducted as penalty to arrive at corrected score.
Syllabus
Stream/Category Specific Questions
Module A
Overview of Credit- Principles of lending
- Credit policy
- Types of borrowers & types of credit facilities
- Credit delivery
- Credit Appraisal
- Credit rating
Module B
Analysis of Financial Statements- Basics of Financial statements
- Ratio analysis
- Cash flow statement
- Fund flow statement
- Project appraisal
- Working capital management
Module C
Financial management- Indian Financial System
- Regulatory bodies in India
- Money market and Capital market instruments
- Time value of money
- Basics of derivatives
- Leverages
- Capital budgeting
Module D
Other credits- Export finance
- Priority sector lending
- Non-fund based Credit Facilities
- Government sponsored schemes
- Retail loans
Module E
Management of Impaired assets- Documentation
- IRAC norms
- Types of charges
- Management of impaired assets
- IBC 2016
- SARFAESI ACT
Module F
RBI circulars and related laws- RBI circulars (1 year)
- Companies act
- Contract act 1872
- Banking regulation 1949
- RBI act 1934
- Negotiable instruments act 1881
- Payment and settlement act 2007
Computer Knowledge
- Hardware and Software
- Operating System Basics
- Internet Terms and Services
- MS-Office (MS-Word, MS-Excel, MS-PowerPoint)
- History of Computers
- Networking and Communication
- Database
- Security Tools and Viruses
Banking Present Economic Scenario General Awareness
- Banking Reforms
- Regulatory Bodies in India- NABARD, SEBI etc.
- International Banking
- Latest circulars of RBI and SEBI
- Latest Updates in Financial & Capital Markets
- Financial Terms
- Banking Terms
- Latest Acts related to Banking
- Priority Sector Lending
- NPA - latest news
- SARFAESI Act
- RBI Monetary Policy
- Capital & Money Market Instrument
- Commercial Banks, NBFCs, HFC - Latest news
- Mergers and Acquisitions in Banking Companies
- Credit Rating and Agencies
- Payment Options- NEFT, RTGS, Bharat Bill payment etc.
- Complete List of Obituaries
- Recently Appointed Brand Ambassadors List
- Monthly GK Digests
- Ministry of Cabinet Ministers
- Renamed Govt. Schemes, Cities, Airports & Railway Stations
- Indian Financial System
- Financial market instruments
- International reports and indices
- Important committees
- Foreign investment and trade
- Growth numbers by various organization
- Union budget
- Latest mergers and MOUs of banks and financial institutions
- Heads of various financial organizations
- Mutual Funds
- Basel Norms
- Regulatory organizations: SEBI/NABARD/RBI
- Joint Military Exercises of India
- List of Summits and Conferences
- India's Rankings in Different Indices
- List of Appointments
- List of Important Days With Themes
- List of MoUs signed by India
- Upcoming Sports Event From
- List of Sports Events & Winners
- Awards and Honours
