Credit Officer Scale II

Central Bank of India Credit Officer Scale II: 2023

Published on

Tuesday, October 31, 2023
Particulars
Date
Commencement date of on-line application
28th October 2023
Last Date of the online application
19th November 2023
Date of Online Examination
3rd/4th Week of December 2023
Number of Vacancies

Post / s
Maximum Age as on 30.09.2023
Total
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
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.
Note: The Maximum age limit of other Backward classes candidates is applicable to General Category.
Qualification (As on 30.09.2023)

Posts
Qualifications
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)

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)
Scale
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
20
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.
Stream/Category Specific Questions

Module A

Important Dates


Credit Officer Scale II





Probation Period

Scale II


Computer Knowledge
Banking, Present Economic Scenario & General Awareness
Syllabus



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
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

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
NPA - latest news
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
Financial market instruments
International reports and indices
Important committees
For.