Union Bank of India has invites application from experienced professionals for the post of Credit Assistant Manager Scale I . Today we are providing a syllabus and exam pattern for the exam.

Important Dates

Particulars	Date
Commencement date of on-line application	30.04.2025
Last Date of the online application	20.05.2025
Date of Online Examination	Tentaive

Number of Vacancies

Post / s	Minimum Age	Maximum Age as on (01.04.2025)	Total Vacancies
Assistant Manager (Credit) Scale I	22	30	250

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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 (PwBD) – Visually Impairment (VI) - Blindness and Low Vision; Hearing Impaired (HI) - Deaf and Hard of Hearing; Orthopedically Challenged (OC) - Locomotor Disability (One Arm - OA, One Leg -OL, Both Legs -BL, One Arm & One Leg -OAL), Cerebral Palsy, Leprosy Cured, Dwarfism, Acid Attack Victims and Muscular Dystrophy; Intellectual Disability (ID) - Intellectual Disability (Autism Spectrum Disorder, Specific Learning Disability and Mental Illness) & Multiple Disability; Multiple Disabilities means disability amongst clauses (a) to (d) including deaf-blindness in the posts identified for each disability.	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

Note: The relaxation in upper age limit to SC / ST / OBC applicants is allowed on cumulative basis with only one of the remaining categories for which age relaxation is permitted as mentioned above in point D (3) to D (5). However, it is subject to a maximum upper age limit of 50 years. The applicants, who are coming under creamy layer, are not entitled to the benefits of OBC reservation and such applicants shall be categorized under General / Unreserved.

Qualification (As on 20.05.2025)

Posts

Qualifications

Assistant Manager (Credit) Scale I

Graduate in any discipline from a University/Institution recognized by Govt. of India/approved by Govt. Regulatory bodies And CA/CMA(ICWA)/CS

Full time regular MBA/MMS/PGDM/PGDBM with specialization in Finance with minimum of 60% marks in aggregate from a University /Institution/ recognized by Govt. of India/approved by Govt. Regulatory bodies (Minimum 55% for SC/ST/OBC/PwBD candidates)

The above-mentioned course/s i.e. MBA/MMS/PGDM/PGDBM must be of full time 2 years. In case of dual specializations, major specialization should be in Finance.

Experience (As on 20.05.2025)

Assistant Manager (Credit) Scale I

Desirable: Post qualification working experience in PSBs/BFSI.

Note: In case of dual specializations, one of the fields of specialization should be in the field prescribed. In case of major/ minor specializations, major specialization should be in the stream prescribed. Candidates having PG Degree (MMS or MBA)/PG Diploma with more than two specializations are not eligible to apply.

Probation Period

Scale	Probation Period
Scale I	2 years

Service Indemnity Bond

The selected candidates will be required to execute a Service Indemnity Bond undertaking to serve the Bank for a minimum period of 3 years or to pay the Bank a sum of Rs.2,50,000.00 (Rs. Two Lakh Fifty Thousand Only) plus applicable taxes (if any) as per Government rules in case he / she leaves the Bank before completion of 3 years of active service.

Selection Procedure

The selection process comprise of Online Examination / Group Discussion (if conducted)/Screening of applications and / or Personal Interview depending on the numbers of applicants/eligible candidates. The Bank reserves the absolute right to decide as to whether to use all or any of these modes for selection for the notified posts.

Online Examination (Exam Pattern)

SN	Name of the Tests	No. of Questions	Maximum Marks	Duration
Part I	Quantitative Aptitude	25	25	75 Mins.
	Reasoning	25	25
	English Language	25	25
Part II	Professional knowledge	75	150	75 Mins.
Total		150	225	150 Minutes

The above tests except the test of English language will be available bilingually i.e. English and Hindi.

Penalty for Wrong Answers:

There will be a penalty for wrong answers marked in the online examination. For each question for which a wrong answer has been given by the candidate, one fourth or 25% of the marks assigned to that question will be deducted as penalty to arrive at corrected score. If a question is left blank, i.e. no answer is marked by the applicant; there will be no penal mark for that question.

Group Discussion (GD):

Maximum marks for Group Discussion will be 50 and minimum qualifying marks will be 25 for General/EWS and 22.5 for reserved categories (SC/ST/OBC). Only those candidates who have secured minimum qualifying marks in GD (if conducted) shall be called for Personal Interview. Mere participation in Group Discussion shall not vest any right in a candidate for being called for Personal Interview.

Personal Interview (PI) :

Merit list of candidates based on the marks obtained by them in online examination will be prepared in descending order for the respective categories i.e. SC/ST/OBC/EWS/General. Candidates securing the minimum qualifying marks stipulated for online test and ranking sufficiently high in the order of merit shall be called for personal Interview and/or GD. Mere passing in the online test shall not vest any right to a candidate for being called for Personal Interview/GD. In case of equal marks by two or more candidates, merit order of such group of candidates will be on the basis of Date of Birth i.e. candidates senior in age will be placed higher in the merit list.
A Personal Interview of 50 marks shall be conducted to assess the academic & job knowledge, power of expression, clarity of thought, qualities of leadership, extracurricular activities, hobbies, general demeanor, behavior, communication skills, suitability for the post, etc. of the applicant. The minimum qualifying marks for the Personal Interview would be 25 marks for General/EWS and 22.5 marks for Reserved Category applicants i.e. SC/ST/OBC/PwBD). The applicants not securing the minimum qualifying marks in the Personal Interview will be disqualified for selection. For interview the candidates will be called in the ratio of 1:3 as against the number of vacancies. However, Bank may modify the said ratio at its own discretion.

Note:

The applicant shall be required to qualify in each Test of the Online Examination subject to minimum qualifying marks in the aggregate of 225 marks for all the posts which will be fixed by the Bank at its discretion. The applicant shall also be required to qualify separately in the Personal Interview/Group Discussion if conducted by the Bank.

Syllabus

Quantitative Aptitude

Data Interpretation
Data Sufficiency
Number Series
Time and Work
Time and Distance
Approximation
Simple and Compound Interest
Ratio and Proportion
Averages
Mixture and Allegation
Pipes and Cisterns
Problems based on trains
Percentages
Partnership
Profit, Loss and Discount
Elements of Algebra
Quadratic Equations

Reasoning Ability

Puzzles
Seating Arrangements
Coding & Decoding
Syllogism
Machine Input Output
Direction Sense Test
Blood Relations
Problems based on Ages
Rankings
Data Sufficiency
Statement and Conclusions
Statement and Assumptions
Statement and Arguments

English Language

Reading Comprehensions
Para Jumbles
Vocabulary
Error Spotting
Cloze test

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

Union Bank of India Assistant Manager (Credit) Scale I Course by Team BankExamsToday

Team BankExamsToday is offering is a full-fledged, comprehensive and systematic course for the preparation of Union Bank of India Credit Manager Scale I 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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Union Bank of India Credit Manager Scale I Course

Union Bank Of India Assistant Manager (Credit) Scale I Recruitment 2025-2026