PNB Credit Officer Scale I Recruitment 2024-2025

PNB SO Scale-I Credit Officer exam is going to be conducted for the selection of Scale-I Credit Officer in PNB bank. On this page, we will provide Exam Pattern, Exam Syllabus, and Previous papers for PNB SO Scale-I Credit Officer 2024 exam.

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Important Dates

Particulars	Date
Commencement date of on-line application	07.02.2024
Last Date of the online application	25.02.2024
Date of Online Examination	March/ April 2024

Number of Vacancies

Post / s	Minimum Age	Maximum Age (as on 01.01.2024)	Total Vacancies
Credit Officer Scale I	21	28	1000

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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
Persons with Benchmark Disability as defined under “The Rights of Persons with Disabilities Act, 2016”	By 10 years
Ex-Servicemen, Commissioned Officers including Emergency Commissioned Officers (ECOs)/ Short Service Commissioned Officers (SSCOs) who have
rendered at least 5 years military service and have been released on completion of assignment (including those whose assignment is due to be completed within one year from the last date of receipt 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 guidelines	By 5 years
Persons affected by 1984 riots	By 5 years

Eligibility Criteria

Educational Qualifications

Posts

Qualifications

Credit Officer Scale I

Mandatory:

Chartered Accountant (CA) from Institute of Chartered Accountants of India

Cost Management Accountant-CMA (ICWA) from Institute of

Cost Accountants of India

Chartered Financial Analyst (CFA) from CFA Institute (USA)

Full time MBA or Post Graduate Diploma in Management or

equivalent with specialization in Finance from any Institute/ College/ University recognized/ approved by Govt. bodies/ AICTE/ UGC with minimum 60% marks or equivalent grade.

Experience & Job Roles (As on 25.02.2024)

Posts

Experience

Job Roles

Credit Officer Scale I

Mandatory: NIL

Desirable:

Work Experience in Bank(s)/ FI(s)

Credit Verticals, Corporate Branches, Trade Finance Centres, Finance Division, Corporate Credit Division, Other Credit Division

Note: The level of educational qualification prescribed for the posts is minimum. Candidates must possess above qualifications/ certifications/ post educational qualification work experience As on closing date of registration i.e. 25.02.2024 and must produce Mark Sheets/ Provisional Certificate/ Degree Certificate/ Course Completion Certificate issued from the University/ College/ Institute and work experience certificate in the relevant field.

Selection Process

Selection will be based on Online Written Test followed by Personal Interview or Personal Interview only, depending upon number of applications received against each post, as per discretion of the Bank.

I. Written/ Online Test:

In case the Bank decides to conduct Online Test, the same will comprise of as under:

Parts	Name of Test	No. of Questions	Maximum Marks	Duration
Part I	Reasoning	25	25	120 Minutes
	English Language	25	25
	Quantitative Aptitude	50	50
Part II	Professional Knowledge	50	100

Note: For each wrong answer given by the candidate, one fourth of the marks assigned to that question will be deducted as penalty to arrive at corrected score.

Candidates have to qualify all the tests of Part-I and Part-II i.e. Professional Knowledge test will be evaluated only for those candidates who qualify in each paper in Part-I. Minimum qualifying marks in each individual test will be decided by the Bank based on the collective response of the candidates.

II. Personal Interview:

Candidates who obtain minimum qualifying marks as decided by the Bank in Part-I will be considered for shortlisting for Interview on the basis of merit prepared as per marks obtained by them in Part-II i.e. Professional Knowledge, provided they fulfil the other eligibility criteria with regard to educational qualification and post educational qualification work experience for the respective post.
Personal Interview will be of 50 marks. Minimum qualifying marks in interview shall be 45% i.e. 22.50 for SC/ST candidates & 50% i.e. 25 for other candidates.

Bond Period

Scale	Bond Amount	Bond Period
Scale I	Rs. 1.00 Lakh	3 years

Note: Candidates are advised to note that if selected, they will be required to execute an Indemnity Bond(before joining the Bank) with surety for serving the Bank for a specified period as mentioned below. In case he/she resigns from or leaves/abandons the service and /or neglects in performance of the duty assigned to him/ her leading to termination of his/her service as per rules/ regulations of the Bank before the specified period, he/she will indemnify the Bank up to the extent of bond amount for all the losses, costs, charges and expenses.

PNB SO Scale-I Credit Officer 2024
JMG Scale I Course by Ramandeep Singh
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+91-9067201000

Course Features

Team BankExamsToday is offering is a full-fledged, comprehensive and systematic course for the preparation of Punjab National Bank Credit officer Scale 1 exams:

Daily video classes

Study Material

Live sessions

Unit tests

Special attention to Professional knowledge section from Day 1

5 full-length mock tests

Interview preparation guide

Syllabus

Reasoning

Machine Input Out
Puzzles
Seating Arrangement
Order and Ranking
Inequalities
Statement and Assumptions
Statement and Conclusion
Coding-Decoding
Cause and Effect
Statement and Argument
Venn Diagram/Syllogism
Blood Relation
Direction and Distance

English Language

Reading Comprehensions
Para Jumbles
Para Completion
Vocabulary
Error Spotting
Sentence Improvement
Cloze test
Rearrangement of sentences

Quantitative Aptitude

Data Interpretation
Boats and Streams
Time and Work
Time, Speed, and Distance
Partnership
Mixtures and Alligation
Ages and Average
Profit and Loss
Percentage and Interest
Problems on Trains
Pipes and Cisterns
Area and Volume
Number Series
Linear equations
Quadratic equations
Data sufficiency

Professional Knowledge

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