6 Credit Proposal Jobs

(ADVERTISEMENT NO: CRPD/SCO/2025-26/11) ONLINE REGISTRATION OF APPLICATION & PAYMENT OF FEES: FROM 11.09.2025 TO 02.10.2025 State Bank of India invites Online application from eligible Indian citizen for appointment to the following Specialist Cadre Officers posts on regular basis. Candidates are requested to apply Online through the link given on Banks website https://bank.sbi/web/careers/current-openings 1. The process of Registration is complete only when fee is deposited with the Bank through Online mode on or before the last date for payment of fee. 2. Before applying, candidates are requested to ensure that they fulfil the eligibility criteria for the post as on the date of eligibility. 3. Candidates are required to upload all required documents (resume, ID proof, age proof, caste certificate, EWS Certificate, PWBD Certificate (if applicable), educational qualification, experience etc.) failing which their application/candidature will not be considered for shortlisting/ interview. 4. Short listing will be provisional without verification of documents. Candidature will be subject to verification of all details/ documents with the original when a candidate reports for interview (if called). 5. In case a candidate is called for interview and is found not satisfying the eligibility criteria (Age, Educational Qualification and Experience etc.) he/ she will neither be allowed to appear for the interview nor be entitled for reimbursement of any travelling expenses. 6. Candidates are advised to check Bank’s website https://bank.sbi/web/careers/current-openings regularly for details and updates (including the list of shortlisted/ selected candidates). The Call (letter/ advice), where required, will be sent by e-mail only (no hard copy will be sent). 7. ALL REVISIONS/ CORRIGENDUM (IF ANY) WILL BE HOSTED ON THE BANK’S WEBSITE ONLY. 8. In case more than one candidate scores same marks as cut-off marks in the final merit list (common marks at cut-off point), such candidates will be ranked in the merit according to their age in descending order. 9. Hard copy of application & other documents not to be sent to this office. 10. TRAINING & TEACHING EXPERIENCE WILL NOT BE COUNTED FOR ELIGIBILITY IN THE EXPERIENCE CRITERIA. Grade - Scale: Middle Management Grade -Scale III No of Vacancies: 63 Age as on 31/08/2025 (Years): 25-35 Selection Procedure: Shortlisting and Interview DETAILS OF THE REQUIREMENTS OF EDUCATIONAL QUALIFICATIONS/POST-QUALIFICATION EXPERIENCES/SPECIFIC SKILLS ETC. Basic Educational Qualification (As on 31/08/2025): Graduate (any discipline) from Government recognized University or Institution AND MBA (Finance) / PGDBA / PGDBM / MMS (Finance) / CA / CFA / ICWA Post-Qualification Experience (As on 31/08/2025): Post Qualification Experience [after successful completion of MBA (Finance)/PGDBA/PGDBM/MMS (Finance)/CA/CFA/ICWA] of Minimum 3 years in Corporate Credit/High value credit as an executive in Supervisory / Management role in a Scheduled Commercial Bank / Associate or Subsidiary of a Scheduled Commercial Bank / in a Public sector or listed financial institution /Company. DECLARATION/UNDERTAKING-1 regarding the post basic qualification experience has to be submitted along with application during online registration.) Post Qualification experience in corporate credit/High value credit is a must. Experience should be in appraisal / assessment of Credit proposals of medium/large Corporates Specific Skills required Analysis of Balance Sheet / Appraisal / Assessment of Credit Proposal, Credit monitoring etc. JOB PROFILE & KEY RESPONSIBILITY AREAS: JOB PROFILE: Carrying out of Due Diligence on Credit Proposals assigned. Timely completion of reviews/renewals as Appraiser, including credit risk assessment proposals. Securing maximum marks for the AMT (Asset Management Team) in credit audit in pre sanction. Assisting Relationship Manager in achieving Budgeted growth in advances for the AMT (Asset Management Team). Adhering to Turn-Around-Time (TAT) for processing New/Existing proposals. Ensuring ABS considered for the proposals are the same as filed with ROCs. Ensuring achievement of satisfactory RAROC (Risk Adjusted Return on Capital) for each unit in the AMT. (Asset Management Team) RESPONSIBILITIES : ROLES: Responsible for following : Analysis & appraisal of credit proposal including ad hoc facilities / restructuring / rehabilitation proposals / any other type of business or general proposals pertaining to the unit. Ensuring quick and timely appraisal of credit. A) PRE-SANCTION STAGE Ensuring compliance of KYC norms. Updation of periodical due diligence reports as per RBI guidelines. Obtaining data/information from customers for assessment and processing of the proposals. Interacting with Key Officials in the borrowing units for obtaining data/statement etc. Obtain and verify the legal search reports / valuation reports of properties offered as Primary/Collateral securities. ROC search at each sanction of the limits to the Unit. Arranging for compilation / updation of opinion reports and CIRs. Undertaking pre-sanction visits. Appraising of credit proposals and CRA. Arranging for D&B / Credit reports and their scrutiny, wherever required. Obtaining external credit rating of the customers. Providing support to the Relationship Manager for making presentation of credit proposals to the sanctioning authority. Credit related notes like RMD deviations / any other deviations, concession etc. or non-business proposals to competent authorities. B) POST-SANCTION STAGE Preparation of arrangement letter and ensuring that all the Terms & Conditions of sanction have been incorporated therein. Attending consortium meetings with the Relationship Manager, wherever necessary. Analysis of FFR and other Financial Statements putting it up to Relationship Managers and taking-up issues / observations recorded with the company. Rectifying irregularities pertaining to pre-sanction pointed out in various Credit Audit reports. Attending to the credit related correspondence with internal and external agencies. Periodical review of TLs sanctioned on standalone basis. Periodical inspections as per the instructions of Relationship Manager. C) MISCELLANEOUS Tracking and monitoring important developments in the industries / activities in which borrowers operate / have interest. Creation, maintenance and updation of account profile as per format devised by the Relationship Manager / Branch Head / Bank. Monthly updation of pricing / concessions to be prepared for verification / checking by Relationship Manager (and for submission to concurrent auditor). Credit Analyst who is a Regular Bank officer will perform the role of Service Officer in his absence. Preparation of outstanding issues / non-compliances with terms of sanction in pre-sanction areas for each company and its updation on resolution of the issues involved. Assisting relationship Manager in preparation of Annual Account Plan. Any other job/task relating to dispensation or administration of credit or any other specific task of any nature arising out of business or administrative exigencies or even otherwise under instruction of Chief Manager / Manager (Credit) / Relationship Manager / Branch Head. The activities mentioned above are illustrative only and Credit Analyst is primarily responsible for all activities as directed by Relationship Manager / Branch Head from time to time. Key Responsibility Areas (KRAs): Number of new clients onboarded through account opening. Year-on-Year (YoY) growth in CASA deposits (daily average balance). Transaction Banking – Number of corporates onboarded for any new project. Activation of transaction banking products. Other income / Forex renumeration / LC income / BG Income. Supply Chain Finance – number of Corporates onboarded. Supply Chain Finance – utilization of limit sanctioned (%). Corporate salary packages – Number of companies > 50 new accounts opened. Number of proposals put up for sanction – turnaround time – success rate in getting sanctions. Quality of credit appraisal and risk analysis. Quality of Credit portfolio. Achievement of targets relating to review/renewal of limits of units. Observations of various audit report and compliance thereof. GRADE, PROBATION PERIOD & RENUMERATION: GRADE: Middle Management Grade Scale – III PROBATION PERIOD: 6 months PAY SCALE: Rs (85920-2680/5-99320-2980/2-105280) REMARKS: The official will be eligible for DA, HRA, CCA, Provident Fund, Contributory Pension Fund i.e. NPS, Leave Fare Concession (LFC), Medical Facility, other perquisites etc. as per rules in force from time to time. SELECTION PROCESS : The selection will be on the basis of Shortlisting and Interview. Shortlisting : Mere fulfilling the minimum qualification and experience will not vest any right to candidate for being called for interview. The shortlisting committee constituted by the Bank will decide the shortlisting parameters and thereafter, adequate number of candidates, as decided by the bank, will be shortlisted for interview. The decision of the Bank to call the candidates for the interview shall be final. No correspondence will be entertained in this regard. Interview: Interview will carry 100 marks. The qualifying marks in interview will be decided by the Bank. No correspondence will be entertained in this regard. Merit List: Merit list for selection will be prepared in descending order on the basis of scores obtained in interview only. In case more than one candidate score the cut-off marks (common marks at cut-off point), such candidates will be ranked according to their age in descending order, in the merit. HOW TO APPLY: Candidates should have valid email ID/Mobile phone number which should be kept active till the declaration of result. It will help him/her in getting call letter/Interview advises etc. by email or over mobile by SMS. GUIDELINES FOR FILLING ONLINE APPLICATION: i. Candidates will be required to register themselves online through the link available on SBI website https://bank.sbi/web/careers/current-openings and pay the application fee using Internet Banking/ Debit Card/ Credit Card etc. ii. Candidates should first scan their latest photograph and signature. Online application will not be registered unless candidate uploads his/ her photo and signature as specified on the online registration page (under ‘How to Upload Document”). iii. Candidates should fill the application carefully. Once application is filled-in completely, candidate should submit the same. In the event of candidate not being able to fill the application in one go, he can save the information already entered. When the information/application is saved, a provisional registration number and password is generated by the system and displayed on the screen. Candidate should note down the registration number and password. They can re-open the saved application using registration number and password and edit the particulars, if needed. This facility of editing the saved information will be available for three times only. Once the application is filled completely, candidate should submit the same and proceed for online payment of fee. iv After registering online, the candidates are advised to take a printout of the system generated online application forms.

As a part of SMBC GIFT CITY team, your role will involve supporting business teams in handling tasks related to credit proposals and execution for ECB/loan and trade loan products for new/existing clients of SMBC GIFT City Branch in accordance with bank policies. You will also assist in post-sanction activities including covenant management, loan rollovers/renewals, and support front office team activities such as treasury/funding requests, KYC, and other administrative tasks of the Gift City branch. Your responsibilities will include supporting the business team in all activities from the preparation/initiation of credit proposals to the execution of ECB/loan and trade finance deals from the GIFT City Branch while ensuring compliance with bank policies. You will collaborate with various internal teams for facility documentation, ensure timely disbursement of loan facilities from the GIFT City branch, and manage post-sanction activities like deal pipeline management, monitoring/rollover/renewal of loans, and covenant monitoring. Furthermore, you will interact with the credit monitoring department/head office to ensure strict compliance with applicable policies, procedures, and local regulatory requirements of the Gift City branch. Your role will involve supporting inter-department activities, maintaining trackers, ensuring due date controls, and complying with internal and external compliance requirements. To excel in this role, you should possess knowledge of banking products and documentation matters, particularly in ECB and trade finance. Experience in credit proposal preparation and post-sanction activities is preferred. Proficiency in MS Excel and MS PowerPoint is required, along with a minimum of 5-7 years of banking experience, a strong understanding of financial concepts, economics, and industry trends. A post-graduate degree, along with qualifications like CA/MBA/CFA, will be beneficial. In summary, your role at SMBC GIFT CITY will involve providing crucial support to the business teams, ensuring compliance with bank policies, and actively participating in various front office activities to contribute to the smooth functioning of the branch.,

Position Purpose: The Credit Analyst is responsible for conducting comprehensive credit analysis and formulating recommendations on corporate advances to multinational corporations (MNCs). The role aims to ensure robust risk management while supporting business growth, by minimizing credit losses and enhancing credit quality in line with internal policies and regulatory requirements. Key Responsibilities 1. Credit Analysis & Proposal Preparation Prepare in-depth, accurate, and concise credit proposals that align with bank policies. Analyze financial statements, economic indicators, and industry trends to identify key risks and opportunities. Recommend appropriate internal credit ratings and Global Recovery Rates (GRR) using analytical tools and judgment. 2. Credit Risk Monitoring & Portfolio Management Monitor and review existing credit exposures through annual reviews, covenant checks, portfolio reviews, and security monitoring. Identify and report early warning signals, including changes in financials, covenants, or external events affecting client creditworthiness. Ensure timely updates of financial spreadsheets and monitoring tools. 3. Coordination & Communication Liaise with Relationship Managers, internal stakeholders, and global BNP Paribas networks to ensure efficient credit processes and timely execution of global reviews. Facilitate smooth credit operations and minimize overdue files through proactive coordination. 4. Client & Committee Engagement Present credit proposals to local credit committees. Accompany Relationship Managers on client meetings where necessary to gain a deeper understanding of client businesses and risks. Participate in deal structuring and discussion forums. 5. Compliance & Controls Ensure adherence to internal credit policies, regulatory requirements, and risk governance frameworks. Respond to regulatory and internal audit queries pertaining to credit-related matters. Contribute to the banks Permanent Control framework and support audits and reviews. 6. Additional Contributions Stay updated with evolving credit policies, tools, and methodologies. Participate in credit-related projects and system enhancements. Support administrative tasks including statistical reporting, sector analysis, and watchlist tracking. Provide back-up support to team members and assist Team Lead/Head with ad hoc requirements. Key Technical Competencies Strong financial statement analysis Credit risk assessment and transaction structuring Knowledge of industry sectors and financial products Risk monitoring and portfolio management Excellent written communication and report writing Proficient in Microsoft Office (Excel, PowerPoint, Word) Key Behavioral Competencies Strong analytical and critical thinking skills High attention to detail and organizational ability Ability to manage multiple priorities under pressure Good interpersonal and communication skills Collaborative and team-oriented mindset Independent thinker with sound judgment and creativity Adaptability to changing environments and priorities Compliance Requirements Familiarity with regulatory credit frameworks and guidelines Ensure compliance with internal policies and external regulatory standards ** Interested candidates drop your resume to saarumathi.r@kiya.ai **

CHIEF RESPONSIBILITIES Ensure quality Appraisal of credit for worthy borrowers. Ensure timely credit and transaction approvals for delegation under self. Follow up with seniors for credit / transaction approvals. Managing loan portfolio with respect to credit rating/quality. Identify de risk account / AL accounts. Monitoring of Team TAT and Productivity. Ensuring adherence to the credit policy and process. Review of Delinquency Review exceptions and approval for knocking. Respond on the Hindsight and Internal audit observations. Conduct monthly Regional Council Meetings with all the stakeholders. Strategic Managerial Responsibilities: Discussion of observations with Seniors ZCH/ National Credit Manager and Chief Credit Officer • Assessment of Credit Proposal / Case for his respective location / region • Presentation of key observations to Senior Management on periodic basis • Managing a team & drive the results/ goals set for self & Team. Core Responsibilities: Assessment of Credit proposal, Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal • Preparing CAM / Report which highlights the quality of information, which helps the decisioning of cases are senior level. • Monitoring of delinquency, exceptions, portfolio movement. • Maintaining data as required by the Senior Management People Management: Active participation in process re-engineering related to product / process • Collaborate with business, OSD & Policy team for any change in the process/policy. • Self-driven, goal oriented & dynamic in nature.

1. End to end activities pertaining to regulatory guidelines, Compliance Risk Assessment 2. Vetting and providing Compliance Clearance to the Policies, Circulars, Queries, Products, Processes etc. 3. Identifying patterns of suspicious activities and investigating suspected cases. 4. Monitoring policies, internal procedures and guidelines so as to ensure adherence to regulatory and internal guidelines for oversight and control by the Compliance Department (CD) of the Bank . 5. Conducting testing and timely submission of the report to the Chief Compliance Officer (CCO) as part of inherent risk assessment exercise and exposure to regulatory risk 6. Ensuring compliance with anti-money laundering procedures. 7. Profile based monitoring for high risk accounts reporting. 8. Weeding of unwanted potential risk to banks 9. Evaluated and advised specific departments on interpretation of new regulatory guidelines along with actionable. 10. Review of new products and processes launched by the Bank and also amendments to the existing ones 11. To assist in preparing various notes/ for senior management and meetings of the Compliance Committee, Board and Audit Committee of the Board.

1. End to end activities pertaining to regulatory guidelines, Compliance Risk Assessment 2. Vetting and providing Compliance Clearance to the Policies, Circulars, Queries, Products, Processes etc. 3. Identifying patterns of suspicious activities and investigating suspected cases. 4. Monitoring policies, internal procedures and guidelines so as to ensure adherence to regulatory and internal guidelines for oversight and control by the Compliance Department (CD) of the Bank . 5. Conducting testing and timely submission of the report to the Chief Compliance Officer (CCO) as part of inherent risk assessment exercise and exposure to regulatory risk 6. Ensuring compliance with anti-money laundering procedures. 7. Profile based monitoring for high risk accounts reporting. 8. Weeding of unwanted potential risk to banks 9. Evaluated and advised specific departments on interpretation of new regulatory guidelines along with actionable. 10. Review of new products and processes launched by the Bank and also amendments to the existing ones 11. To assist in preparing various notes/ for senior management and meetings of the Compliance Committee, Board and Audit Committee of the Board.