Important Dates
|
Particulars |
Date |
|
Commencement date of on-line application |
12.06.2024 |
|
Last Date of the online application |
02.07.2024 |
| Date of Online Examination
| Shall be advised shortly |
Number of Vacancies
|
Post / s |
Minimum Age |
Maximum Age as on (01.12.2023) |
Total Vacancies |
|
Credit Analyst Scale -II |
25 Years |
30 Years |
10 |
| Credit Analyst Scale -III | 28 Years | 35 Years | 70 |
Relaxation in Age Limit
|
Sr. |
Category |
Age relaxation (in years) |
|
|
1 |
Scheduled Caste/ Scheduled Tribe |
5 years |
|
|
2 |
Other Backward Classes (Non-Creamy Layer) |
3 years |
|
|
3 |
Persons with Benchmark Disabilities (PwBD) |
PwBD (SC/ST) |
10 years |
|
PwBD (OBC) |
8 years |
||
|
PwBD (GEN/EWS) |
5 years |
||
|
4 |
Persons affected by 1984 riots |
5 years |
|
|
5 |
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 |
PwBD (SC/ST) |
10 years |
|
PwBD (OBC) |
8 years |
||
|
PwBD (GEN/EWS) |
5 years |
||
Qualification & Experience (As on 01.06.2024)
|
Posts |
Qualifications |
Work Experience |
|
Credit Analyst Scale II |
Graduation (in any discipline) And CA |
Preference will be given to candidates having Work Experience in Public / Private / Foreign Banks with exposure in Credit Appraisal/ Processing/ Operations |
|
Credit Analyst Scale III |
Graduation (in any discipline) and Post Graduate Degree with Specialization in Finance or CA / CMA / CS / CFA |
Min. 4 Years of Work Experience in Bank with 3 years in Large/ Mid Corporate Credit in Public / Private / Foreign Banks/ Financial Institutions with exposure in Credit Appraisal/ Processing/ Operations |
Probation Period, Service Bond & Credit History
- Probation Period: The selected candidate will be on probation for a period of 12 months (-1- year) of active service from the date of his/ her joining the Bank.
- Service Bond: For those selected on Regular basis, they will be required to mandatorily execute a Service Bond as under: ‘‘Serve for a minimum period of -3- years in the Bank after joining the services or in lieu thereof an amount of R 1.5 Lacs’
- Credit History: The candidate applying for the above positions shall ensure that, they maintain a healthy Credit history and shall have a minimum CIBIL score of 650 or above at the time of joining. The minimum credit score will be as per the Banks policy, amended from time to time.
Selection Procedure
|
Name of section |
No. of Questions |
Maximum Marks |
Duration |
|
Reasoning |
25 |
25 |
150 Minutes |
|
English Language |
25 |
25 |
|
|
Quantitative Aptitude |
25 |
25 |
|
|
Professional Knowledge |
75 |
150 |
|
|
Total |
150 |
225 |
- The above Sections / Tests except the Test of English Language will be available bilingually, i.e. English and Hindi.
- Section/Test 1, 2 & 3 are qualifying in nature and marks secured in these sections will not be reckoned for final result. The minimum qualifying marks/percentage of marks in each of the section would be 40% for General & EWS Category and 35% for Reserved Categories. However, the Bank reserves the right to change the minimum/ waive off qualifying criteria at its sole discretion.
- Marks Section/Test 4 i.e. Professional Knowledge shall be reckoned for shortlisting the candidates for participation in further selection process and drawing the rank list. There will be penalty for wrong answers in this section (i.e. section 4). For each question for which a wrong answer has been given by the candidate, 0.25 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 given by the candidate; there will be no penalty for that question.
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
BOB Senior Manager - Credit Analyst Scale II & III Course by Team BankExamsToday
- 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
