INDNotice

Recruitment Of Specialist Cadre Officer On Regular Basis

JOBAdded: 14 Nov 2025State Bank of India

Advertisement Details

State Bank of India (SBI) invites online applications from eligible Indian citizens for appointment to Specialist Cadre Officer posts on a regular basis. The advertisement number for this recruitment is CRPD/SCO/2025-26/11.

Important Dates

  • Online Registration & Payment of Fees: From 2025-09-11 to 2025-10-02

Application Process & General Instructions

  1. Registration is complete only upon successful online fee deposit by the last date.
  2. Candidates must fulfill eligibility criteria as of the eligibility date.
  3. All required documents (resume, ID proof, age proof, caste certificate, EWS Certificate, PWBD Certificate (if applicable), educational qualification, experience etc.) must be uploaded. Failure to do so will lead to non-consideration of the application.
  4. Shortlisting is provisional; original documents will be verified at the interview.
  5. Ineligible candidates will not be allowed for the interview nor reimbursed travelling expenses.
  6. Candidates should regularly check the Bank's website for updates, including shortlisted/selected candidates. Call letters/advice will be sent via e-mail only.
  7. All revisions/corrigendum will be hosted exclusively on the Bank's website.
  8. In case of a tie in marks for the final merit list, candidates will be ranked by age in descending order.
  9. Hard copies of application and other documents are not to be sent to the office.
  10. Training and teaching experience will not be counted for eligibility in the experience criteria.

Details of Posts/Vacancies

  • Post Name: Manager (Credit Analyst)
  • Grade - Scale: Middle Management Grade - Scale III
  • Suggested Place of Posting: Anywhere in India
  • Selection Procedure: Shortlisting and Interview

Vacancy Details (Total: 63)

Category Regular Backlog Total
SC 9 2 11
ST 4 3 7
OBC 14 - 14
EWS^ 5 - 5
UR 26 - 26
Total 58 5 63

PwBD (Horizontal Vacancy) (Total: 4)

  • VI (Visually Impaired): 1
  • HI (Hearing Impaired): 2
  • d & e (Multiple Disabilities, etc.): 1

^EWS vacancies are tentative and subject to Government of India directives.

Eligibility Criteria

Educational Qualification (As on 2025-08-31)

  • Graduate (any discipline) from a Government recognized University or Institution.
  • AND
  • MBA (Finance) / PGDBA / PGDBM / MMS (Finance) / CA / CFA / ICWA.

Post-Qualification Experience (As on 2025-08-31)

  • Minimum 3 years of post-qualification experience in Corporate Credit/High Value Credit as an executive in a Supervisory / Management role in a Scheduled Commercial Bank / Associate or Subsidiary of a Scheduled Commercial Bank / or a Public Sector or listed financial institution / Company, after successful completion of MBA (Finance)/PGDBA/PGDBM/MMS (Finance)/CA/CFA/ICWA.
  • Experience should specifically be in appraisal / assessment of Credit proposals for medium/large Corporates.
  • A declaration/undertaking regarding post-basic qualification experience must be uploaded with the application.

Specific Skills Required

  • Analysis of Balance Sheet / Appraisal / Assessment of Credit Proposal, Credit monitoring etc.

Age Limit & Relaxation (As on 2025-08-31)

  • Minimum Age: 25 years
  • Maximum Age: 35 years (for General category candidates)
  • Age Relaxation (as per GOI guidelines):
    • OBC (Non-Creamy Layer): 3 years
    • SC/ST: 5 years
    • PwBD (UR/EWS): 10 years
    • PwBD (OBC): 13 years
    • PwBD (SC/ST): 15 years

CIBIL Requirements

  • Candidates who have defaulted in repayment under any lending arrangement with Banks/NBFCs/Financial Institutions (including credit card dues) and have not regularized/repaid their outstanding by the date of issuance of appointment letter are ineligible.
  • If outstanding is repaid but CIBIL status is not updated by the date of joining, candidates must get it updated or produce NOCs from the lender.

Job Profile & Key Responsibility Areas (KRAs)

Job Profile

  • Carrying out Due Diligence on Credit Proposals.
  • Timely completion of reviews/renewals as Appraiser, including credit risk assessment.
  • Securing maximum marks for the Asset Management Team (AMT) in credit audit.
  • Assisting Relationship Manager in achieving Budgeted growth in advances for the AMT.
  • Adhering to Turn-Around-Time (TAT) for processing proposals.
  • Ensuring ABS (Asset Based Security) considered for proposals are as filed with ROCs.
  • Ensuring achievement of satisfactory RAROC (Risk Adjusted Return on Capital).

Responsibilities

  • Pre-Sanction Stage: KYC compliance, due diligence reports, data/information collection, interaction with Key Officials, legal/valuation report verification, ROC search, compilation of opinion reports/CIRs, pre-sanction visits, appraisal of credit proposals, D&B/Credit reports scrutiny, external credit rating, support to RM for presentations, credit related notes.
  • Post-Sanction Stage: Preparation of arrangement letter, attending consortium meetings, FFR/Financial Statements analysis, rectifying irregularities, credit correspondence, periodical review of TLs, periodical inspections.
  • Miscellaneous: Tracking and monitoring industry developments.

Key Responsibility Areas (KRAs) (Illustrative)

  • Number of new clients onboarded.
  • Year-on-Year (YoY) growth in CASA deposits.
  • Transaction Banking targets.
  • Activation of transaction banking products.
  • Other income / Forex remuneration / LC income / BG Income.
  • Supply Chain Finance targets and utilization.
  • Corporate salary packages - new accounts opened.
  • Number of proposals put up for sanction – turnaround time success rate.
  • Quality of credit appraisal and risk analysis.
  • Quality of Credit portfolio.
  • Achievement of targets relating to review/renewal of limits.
  • Observations of various audit report and compliance thereof.

Remuneration & Probation Period

  • Grade: Middle Management Grade Scale - III
  • Pay Scale: Rs (85920-2680/5-99320-2980/2-105280)
  • Probation Period: 6 months
  • Perquisites: Officials will be eligible for DA, HRA, CCA, Provident Fund, Contributory Pension Fund (NPS), Leave Fare Concession (LFC), Medical Facility, and other perquisites as per rules in force.

Selection Process

  • Shortlisting: Merely fulfilling minimum qualification and experience does not guarantee an interview call. The Bank's shortlisting committee will decide the parameters and the number of candidates to be shortlisted. The Bank's decision is final.
  • Interview: The interview will carry 100 marks. Qualifying marks will be decided by the Bank.
  • Merit List: Prepared in descending order based on interview scores. In case of a tie, candidates will be ranked according to their age in descending order.

Application Fee

  • General/EWS/OBC Candidates: Rs 750/-
  • SC/ST/PwBD Candidates: Nil
  • Fee is non-refundable and non-adjustable. Transaction charges for online payment will be borne by the candidates.

How to Apply & Document Upload Guidelines

  • Candidates must have a valid email ID and mobile number.
  • Online Application Process:
    1. Register online via the link on the SBI website: https://bank.sbi/web/careers/current-openings
    2. Pay the application fee using Internet Banking/Debit Card/Credit Card.
    3. Upload scanned copies of a recent photograph and signature. Application will not be registered without these uploads.
    4. Fill the application carefully. Information can be saved and re-opened up to three times for editing.
    5. After successful submission and payment, print the system-generated e-receipt and application form.
  • Documents to be Uploaded:
    • Recent Photograph, Signature, Detailed Resume, ID Proof, Proof of Date of Birth, Caste certificate (if applicable), PwBD certification (if applicable), Income & Assets Certificate (for EWS), Educational Certificates (Mark-Sheets/Degree Certificate), Experience certificates, Form-16/Offer Letter and Latest Salary slip from current employer, No Objection Certificate (if applicable), Biodata, DECLARATION/UNDERTAKING-1 (post qualification experience), DECLARATION/UNDERTAKING-2 (NO Disciplinary Proceedings/Vigilance Case).
  • Document Specifications:
    • All documents (except photo and signature) must be in PDF format, A4 page size, and not exceeding 500 KB.
    • Photograph: Passport style, color, light/white background, 20-50 KB, 200x230 pixels, JPG/JPEG format.
    • Signature: Black ink on white paper, 10-20 KB, 140x60 pixels, JPG/JPEG format. (Signature in CAPITAL LETTERS will NOT be accepted.)

General Information

  • Bank's decision on eligibility, interview, and selection is final.
  • Providing incorrect information or suppressing material facts will lead to cancellation of candidature/termination of services.
  • Legal proceedings related to this advertisement will be subject to the sole jurisdiction of Courts/Tribunals/Forums in Mumbai.
  • Outstation candidates called for interview will be reimbursed Economy Class airfare (shortest route in India) up to Rs 10,000/- (total for both sides) or actual travel cost, whichever is lower. Local conveyance is not reimbursable.
  • Government/Quasi-Government/PSU employees must submit a 'No Objection Certificate' at the time of the interview.
  • The Bank reserves the right to cancel or modify the recruitment process entirely or partially at any stage.

Important Links and Contact

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