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Indian Bank Chief Manager - Credit , Senior Manager - Credit (Scale IV & III) Exam Pattern & Syllabus

Published on Thursday, March 21, 2024
Indian Bank has invites application from experienced professionals for the post of Chief Manager - Credit (Scale IV), Senior Manager - Credit (Scale III). Today we are providing a syllabus and exam pattern for the exam.

Important Dates

Particulars

Date 

Commencement date of on-line application

12.03.2024

Last Date of the online application

01.04.2024

Date of Online Examination

Tentaive

Number of Vacancies

Post / s

Minimum Age

Maximum Age (as on 01.01.2024)

Total Vacancies

Chief Manager - Credit

27

40

10

Senior Manager - Credit

25

38

10

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 Disabilities 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 date of notification) otherwise than by way of dismissal or discharge on account of misconduct or inefficiency or physical disability attributable to military service or invalidment.

By 5 years

Persons affected by 1984 riots

 By 5 years

Qualification & Certifications (As on 01.01.2021)

Posts

Qualifications

Certifications

Chief Manager – Credit CA
OR
2 years MBA (or equivalent PG Degree /Diploma) in Finance
Any residential programmes
conducted by NIBM or similar
institutions in credit / risk is desirable.
Senior Manager – Credit CA/ ICWA
Or
2 years MBA (or equivalent PG
Degree / Diploma) in Finance
Any residential programmes
conducted by NIBM or similar
institutions in credit / risk is desirable.

Experience (As on 01.01.2024)

Chief Manager –Credit Scale IV

Minimum 7 years of Post Qualification work experience in Corporate Credit in Supervisory / Management role in a Scheduled Commercial Bank / Associate or Subsidiary of a Scheduled Commercial Bank or in a Public sector or listed financial institution company (any of the aforementioned entities should have a minimum balance sheet size of Rs.3 lac crores or above as on 31.03.2023). Last assignment should not be below the Rank of MMG Scale II or equivalent.

Post Qualification experience in appraisal / assessment of Credit proposals of medium / large Corporates is required.

Senior Manager –Credit Scale III

Minimum 5 years of Post Qualification work experience in Corporate Credit in Supervisory / Management role in a Scheduled Commercial Bank / Associate or Subsidiary of a Scheduled Commercial Bank or in a Public sector or listed financial institution company (any of the aforementioned entities should have a minimum balance sheet size of Rs.3 lac crores or above as on 31.03.2023). Last assignment should not be below the Rank of MMG Scale II or equivalent.

Post Qualification experience in appraisal / assessment of Credit proposals of medium / large Corporates is required.

Probation Period 

Scale

Probation Period

Scale III & IV

1 year

Selection Procedure

  • Shortlisting of applications followed by interview or
  • Written / Online Test followed by Interview

Online Examination (Exam pattern)

Name of section

No. of questions

Marks

Time allotted 

Professional knowledge

60

60

60 Minutes

English Language

20

20

30 Minutes

General Awareness with Special Reference to Banking Industry

20

20

15 Minutes

Total

100

100

105 Minutes

Note: 1/4th of the mark allotted to the respective question for which a wrong answer is given. There shall be no penalty for an unattended question.

Interview

The minimum qualifying mark in Test and or Interview is 40 % for candidates belonging to unreserved category / EWS and 35 % for candidates belonging to SC/ST/OBC/PWBD categories. In case sufficient number of candidates are not available as per the qualifying criteria then Bank reserves the right to lower the qualifying marks / cut-off as per its sole discretion.
Candidates shall be required to qualify separately and individually both in Written / Online test and Interview to qualify in merit list.

Syllabus

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

English Language

  • Reading Comprehensions
  • Para Jumbles
  • Vocabulary
  • Error Spotting
  • Cloze test

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

Indian Bank Chief Manager - Credit (Scale IV), Senior Manager - Credit (Scale III) Course by Team BankExamsToday

Team BankExamsToday is offering is a full-fledged, comprehensive and systematic course for the preparation of Indian Bank Chief Manager - Credit (Scale IV), Senior Manager - Credit (Scale III) exams.
Course features
  • 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

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