(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:
Vacancies: 63
Age as on 31/08/2025 (Years): 25-35
Selection Procedure:
DETAILS OF THE REQUIREMENTS OF EDUCATIONAL QUALIFICATIONS/POST-QUALIFICATION EXPERIENCES/SPECIFIC SKILLS ETC.
Basic Educational Qualification (As on 31/08/2025):
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
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:
:
- 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
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:
PROBATION PERIOD:
PAY SCALE:
REMARKS:
SELECTION PROCESS:
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.
