State Bank of India Recruitment Online Application Form 2020

Post Name:

State Bank of India Recruitment Online Application Form 2020

Post Date:

22 June 2020 | 11:02 AM

Brief Information:

State Bank of India invites On-line application from Indian citizens for appointment in the following Specialist Cadre Officer posts regularly. Candidates are requested to apply SME Credit Analyst On-line through the link given in Bank's website

SIB Specialist Officer Various Post Online Form 2020

State Bank of India

Advt No. : CRPD/SCO/2020-21/19 Short Details of Notification

Important Dates

Application Fee

  • Application Begin: 23/06/2020

  • Last Date for Apply Online: 13/07/2020
  • Last Date Pay Exam Fee: 13/07/2020
  • Admit Card Available: Notified Soon
  • Exam Date: Notified Soon
  • General / OBC /EWS : 750/-
  • SC/ST/PH : 0/-
  • Pay the Examination Fee Through Debit Card / Credit Card / Net Banking or Pay the Exam Fee Through E Challan Fee Mode.
Post Educational Qualification Post Qualification Work Experience
SME Credit Analyst (MMGS-III) Basic Qualification (Compulsory): CA/ MBA (Finance) / PGDM (Finance) /PGDBM(Finance) or equivalent post graduation degree (Two years full time regular course) from Recognized University/College.

Minimum 3 years' of post basic qualification work experience as on 01.01.2020 in a Bank/NBFC/PSU/FIs/Credit Rating Agency. Post qualification experience in high value credit is must.

Experience should be in appraisal/assessment of credit proposals of medium/large corporates. Specific Skill as on 01.01.2020: Analysis of Balance Sheet / Appraisal of Credit Proposal, Credit Monitoring & follow up.

Job Profile & KRAs:
Post Job Profile & KRAs in Brief
SME Credit Analyst
  • Carrying out of Due diligence on credit proposals assigned
  • Timely completion of Review / Renewals as Appraiser, including Credit Risk Assessment
  • Securing maximum marks for the AMT in Credit Audit in Pre-Sanction
  • Assisting Relationship Manager in achieving Budgeted growth in Advances for the AMT
  • Assisting Relationship Manager in achieving Budgeted growth in Other Income for the AMT
  • Adhering to Turn around Time 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
  • SBI SME Credit Analyst KRAs Responsible for

  • KRAs Responsible for Analysis and appraisal of credit proposal including Ad hoc facilities/structuring/rehabilitation proposals/any other type of business or general proposal pertaining to the unit.
  • Ensuring timely/review/renewal of credit limits
  • SBI SME Credit Analyst 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 proposal.
  • Interacting with key officials in the borrowing units for obtaining data/statements etc.
  • Obtain and verify the legal search reports/ valuation reports for 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 ratings of the customers
  • Providing support to the Relationship Manager for making presentations of credit proposals to the Sanctioning Authorities
  • Credit related notes like RMD deviations/any other deviations, concession etc or non-business/proposals to competent authorities.
  • Preparation of Arrangement letter and ensuring that all the terms and conditions of sanction have been incorporated therein.
  • Attending consortium meetings with Relationship Manager, wherever necessary
  • Analysis of FFRs and other financial statements putting up to Relationship Manager and taking up issues/observation 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
  • SBI SME Credit Analyst Miscellaneous:

  • Tracking and monitoring important developments in the industries/activities in which the borrowers operate/have interests.
  • Creation, maintenance and updation of account profile as per the format devised by the Relationship Manager/Branch Head/Bank
  • Monthly updation of pricing/concession to be prepared for verification/checking by Relationship Manager (And for submission to Concurrent Auditors)
  • Credit Analyst who is a regular bank officer will perform the role of Service Officer in his absence.
  • Preparation of outstanding issues/non-compliance with the 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 Action 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 instructions of Chief Manager/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. KRA:
  • Level of CASA Deposits
  • Branch Credit Score
  • Other Income(Branch) & BG Income
  • Forex Remuneration
  • LC Income
  • Operating Profit
  • Level of Advances
  • − LC Opened(Volume)
  • BG Opened(Volume)
  • Forex Volume
  • Gross Interest Income

Remarks: Roles, in addition to the above mentioned Job Profile and KRAs, may be assigned by the Bank from time to time for any Post.

Post Play Scale
Middle Management Grade Scale III (MMGS III) 42020-1310/5-48570-1460/2-51490
How to Fill Form
  • Candidates will be required to register themselves online through the link available on SBI website OR and pay the application fee using Internet Banking/ Debit Card/ Credit Card etc
  • 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 Apply”).
  • 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.
  • Application fees and Intimation Charges (Non-refundable) is Rs 750/- ( Seven Hundred Fifty only) for General/ OBC/EWS candidates and NIL for SC/ST/PWD candidates
  • Kindly Check and College the All Document - Eligibility, ID Proof, Address Details, Basic Details.
  • Kindly Ready Scan Document Related to Recruitment Form - Photo, Sign, ID Proof, Etc.
  • Before Submit the Application Form Must Check the Preview and All Column Carefully.
  • If Candidate Required to Paying the Application Fee Must Submit. If You have Not the Required Application Fees Your Form is Not Completed.
  • Take A Print Out of Final Submitted Form.
Some Useful Important Links
Apply Online Registration | Click Here
Notification for SBI SME Credit Analyst Click Here
Official Website Click Here