SBI Manager Online Form 2024

Educational Qualification  (As on 01/12/2023)

Post-Qualification Experience  (As on 01/12/2023)

Specific Skills required

Graduate (any discipline) from Government recognized University or

Institution

AND

MBA (Finance) / PGDBA / PGDBM / MMS (Finance) /

CA / CFA / ICWA 

➢  Post Qualification Experience [after successful completion of MBA (Finance)/PGDBA/PGDBM/MMS (Finance)/CA/CFA

/ICWA] of Minimum

3 years in Corporate Credit as an executive in Supervisory / Management role in a Scheduled Commercial Bank / Associate or Subsidiary of a Scheduled Commercial Bank OR in a Public sector or listed financial institution company. 

➢  Post Qualification experience in high value credit is a must/mandatory.

➢  Experience should be in appraisal / assessment of Credit proposals of medium/large Corporates

Analysis of Balance Sheet / Cash flow statement Analysis/

Appraisal                      /

Assessment of Credit Proposal, Credit monitoring etc.

  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.

➢  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.

ROLES: Responsible for

➢  Analysis & appraisal of credit proposal including adhoc facilities / restructuring / rehabilitation proposals / any other type of business or general proposals pertaining to the unit. 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 & 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

➢  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.

Sl.

No

Name of Post 

  Grade - Scale

Vacancies 

PwBD* 

(Horizontal

Vacancy)

Age as on 01/12/2023 (Years) #

Suggested place of posting

Selection Procedure 

SC

ST

OBC

EWS

^

UR

Total

VI

HI

Min

Max

1

Manager

(Credit

Analyst)

       Middle    

Management  

       Grade 

   –  Scale III

Backlog

0

2

0

0

0

2

1

1

25

35

Anywhere in India

Shortlisting and

Interview