PNB SO Scale-I Credit Officer 2025

PNB SO Scale-I Credit Officer exam is going to be conducted for the selection of Scale-I Credit Officer in PNB bank. On this page, we will provide Exam Pattern, Exam Syllabus, and Previous papers for PNB SO Scale-I Credit Officer 2025 exam.

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Number of Vacancies

Post / s	Minimum Age	Maximum Age (as on 01.01.2025)	Total Vacancies
Credit Officer Scale I	21	30	250

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Important Dates

Particulars	Date
Opening Date of the online Registration	03.03.2025
Closing Date of the online Registration	24.03.2025
Tentative Date of Online Test (wherever required)	April/ May 2025

Relaxation In Age Limit

S.No.	Category	Age Relaxation
1.	Schedule Caste / Scheduled Tribe	5 years
2.	Other Backward Class (Non-Creamy Layer)	3 years
3.	Persons with Benchmark Disability as defined under “The Rights of Persons with Disabilities Act, 2016”	10 years
4.	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, subject to ceiling as per Government guidelines	5 years
5.	Persons affected by 1984 riots	5 Years

Note:

The maximum age limit 30 Years is applicable to Unreserved category candidates and Economically Weaker Sections (EWSs) category candidates.

Qualification & Certification (As on 24.03.2025)

Posts	Qualifications	Certification
Credit Officer- JMGS Scale- I	Mandatory: Chartered Accountant (CA) from Institute of Chartered Accountants of India Or Cost Management Accountant-CMA (ICWA) from Institute of Cost Accountants of India Or Chartered Financial Analyst (CFA) from CFA Institute (USA) Or Full time MBA or Post Graduate Diploma in Management with specialization in Finance from any Institute/ College/ University recognized/ approved by Govt. bodies/ AICTE/ UGC with minimum 60% marks or equivalent grade	Mandatory: NIL Desirable: Certification in Credit Risk, Financial Analysis, or any other relevant banking certification

Experience & Job Roles (As on 24.03.2025)

Posts	Experience	Job Roles
Credit Officer Scale I	Mandatory: NIL Desirable: Work Experience in Bank(s)/ FI(s)	Credit Verticals, Corporate Branches, Trade Finance Centres, Finance Division, Corporate Credit Division, Other Credit Division

• In above case where MBA or PGDM is mentioned as criteria for educational qualification, following guidelines will be applicable:
• The course is required to be of 02 years duration.
• The course should be Full time. Course completed through correspondence/part-time/distance mode will not be considered.
• In case of dual specialisation, one of the two fields of specialisation should be in the field prescribed for the post. Dual specialisation with equal weightage will be considered.
• In case of major/ minor specialisation, major specialisation should be in the field prescribed for the post.
• Candidates having MBA or PGDM with more than two specialisations or General MBA/ PGDM are not eligible to apply.
• The Institute/ College/ University should be recognized/ approved by Govt. bodies/ AICTE/ UGC.

Bond

• Candidates are advised to note that if selected, they will be required to execute an Indemnity Bond (before joining the Bank) with surety for serving the Bank for a specified period as mentioned below. In case he/she resigns from or leaves/abandons the service and /or neglects in performance of the duty assigned to him/ her leading to termination of his/her service as per rules/ regulations of the Bank before the specified period, he/she will indemnify the Bank up to the extent of bond amount for all the losses, costs, charges and expenses.

Scale	Amount of Bond	Bond Period
JMG Scale-I	Rs. 1.00 lakh	03 Years

Credit History 

• The candidate applying shall ensure that, they maintain a healthy Credit history and shall have a minimum CIBIL score of 680 or above at the time of joining the Bank.
• Those candidates whose CIBIL status has not been updated before the date of joining, have to either get the CIBIL status updated or produce the NOCs from lender to the effect that there is no outstanding with respect to the accounts adversely reflected in the CIBIL, failing which the offer of appointment may be withdrawn/ cancelled.
• Candidates with no bank account shall not be required to produce the CIBIL status. CIBIL score requirement is not a pre-condition to apply

Cut-Off Score

• Each candidate will be required to obtain a minimum score in each test of online examination and also a minimum total score to be considered for shortlisting. Depending on the number of vacancies available, cut-offs will be decided, and candidates will be shortlisted for further process. Prior to the completion of the interview process, scores obtained in the online examination will not be shared with the candidates shortlisted for interview. Decision of the bank in shortlisting and calling number of candidates for common interviews/ provisional allotment shall be final.

Selection Procedure

• Selection will be based on Online Written Test followed by Personal Interview or Personal Interview only, depending upon number of applications received against each post, as per discretion of the Bank.

I.  Online Examination (Exam pattern)

Parts	Name of Test	No. of Questions	Maximum Marks	Duration
Part I	Reasoning	25	25	120 Minutes
	English Language	25	25
	Quantitative Aptitude	50	50
Part II	Professional Knowledge	50	100

• For each wrong answer given by the candidate, one fourth of the marks assigned to that question will be deducted as penalty to arrive at corrected score.
• Candidates have to qualify all the tests of Part-I and Part-II i.e. Professional Knowledge test will be evaluated only for those candidates who qualify in each paper in Part-I. Minimum qualifying marks in each individual test will be decided by the Bank based on the collective response of the candidates.

II. Personal Interview: 

• Candidates who obtain minimum qualifying marks, as decided by the Bank, in Part-I will be considered for shortlisting for Interview on the basis of merit prepared as per marks obtained by them in Part-II i.e. Professional Knowledge Test, provided they fulfil the other eligibility criteria including Educational Qualification, Certification and Post Educational Qualification
• Work Experience for the respective post. Documents in support of eligibility of the candidates shortlisted on the basis of merit prepared as discussed above shall be collected and only those candidates who are found eligible, in terms of the eligibility criteria prescribed for the respective post, on the basis of documents submitted shall be called for Personal Interview.
• Number of candidates to be called for Interview shall be decided by the Bank based on performance of candidates in the online written examination.
• Personal Interview will be of 50 marks. Minimum qualifying marks in interview shall be 45% i.e. 22.50 for SC/ST candidates & 50% i.e. 25 for other candidates.
• Candidates obtaining minimum qualifying marks in Personal Interview will be provisionally selected for issuing offer of appointment based on aggregate scores obtained by them in Part-II of Online Written Test i.e. Professional Knowledge and Interview. A candidate should have qualified both in the Online Written Test as well as in Interview and be in the merit to be shortlisted for subsequent provisional appointment.

PNB SO Scale-I Credit Officer 2025
JMG Scale I Course by Ramandeep Singh
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+91-9067201000

Syllabus for Scale-I Credit Officer 2025

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

Reasoning

• Puzzles
• Seating Arrangement
• Machine Input Output
• Order and Ranking
• Inequalities
• Problems based on ages
• Statement and Assumptions
• Statement and Conclusion
• Coding-Decoding
• Statement and Argument
• Venn Diagram/Syllogism
• Blood Relation
• Direction and Distance

English

• Reading Comprehension
• Cloze Test
• Error Spotting
• Double Fillers
• Sentence Rearrangement
• Vocabulary Based Questions

Professional Knowledge Manager/Senior Manager (Credit)

Module A – Overview of Credit

1. Principles of lending
2. Credit policy
3. Types of borrowers & types of credit facilities
4. Credit delivery
5. Credit Appraisal
6. Credit rating

Module B – Analysis of Financial Statements

1. Basics of Financial Statements
2. Ratio analysis
3. Cash flow statement
4. Fund flow statement
5. Project appraisal
6. Working capital management

Module C: Financial management

1. Indian Financial System
2. Regulatory bodies in India
3. Money market and Capital market instruments
4. Time value of money
5. Basics of derivatives
6. Leverages
7. Capital budgeting

Module D: Other credits

1. Export finance
2. Priority sector lending
3. Non-fund based Credit Facilities
4. Government-sponsored schemes
5. Retail loans

Module E: Monitoring, Followup, and Management of Impaired Assets

1. Documentation
2. IRAC norms
3. Types of charges
4. Management of impaired assets
5. IBC 2016
6. SARFAESI ACT

Module F: RBI circulars and related laws

1. RBI circulars (1 year)
2. Companies act
3. Contract act 1872
4. Banking regulation 1949
5. RBI act 1934
6. Negotiable instruments act 1881
7. Payment and settlement act 2007

Course Features

Team BankExamsToday is offering is a full-fledged, comprehensive and systematic course for the preparation of Punjab National Bank Credit officer Scale 1 exams:

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