SBI Credit Analyst Recruitment 2025 – State Bank of India (SBI) has announced a new recruitment drive for the post of Manager (Credit Analyst) in the Middle Management Grade Scale-III (MMGS-III). This is a great opportunity for finance professionals looking for a stable government banking job. There are a total of 63 vacancies, including regular and backlog positions, with postings anywhere in India. The online application process starts on 11 September 2025 and ends on 2 October 2025. Candidates must meet the educational qualifications, experience requirements, and age criteria to apply. Selection will be based on shortlisting and interview. For easy understanding, we’ve broken down all details below. Govt Job Simplified by GovtJobLink.com.
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State Bank of India (SBI) Credit Analyst Recruitment 2025 – Junior Executive Recruitment 2025
SBI Credit Analyst Recruitment 2025 –Notification No. : CRPD/SCO/2025-26/11
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SBI Credit Analyst Recruitment 2025 : Important Dates & Application Fee
| Important Dates | Application Fees | ||
|---|---|---|---|
SBI Credit Analyst Recruitment 2025 : Age Limit & Eligibility Details
| Age Limit | Eligibility | ||
|---|---|---|---|
SBI Credit Analyst Recruitment 2025 : Vacancy Details
| Vacancy Details | |
|---|---|
SBI Credit Analyst Recruitment 2025 : How to Apply Online & Required Documents
| How to Apply | Required Documents |
|---|---|
🔹 Step 8 – Required Documents |
SBI Credit Analyst Recruitment 2025 : Pay Scale & Selection Process
| Selection Process | Pay Scale | ||
|---|---|---|---|
SBI Credit Analyst Recruitment 2025 : Exam Pattern & Syllabus
| Exam Pattern & Syllabus | |||
|---|---|---|---|
Note: For Complete Details, Please Visit Official Website. | |||
SBI Credit Analyst Recruitment 2025 : Important Useful Links for Apply Online, Download Notification
| Important Useful Links | |||
|---|---|---|---|
| Apply Online | Click Here | ||
| Download Notification / Rule Book | Click Here | ||
| Join Whatsapp Channel | Click Here | ||
| Join Telegram Channel | Click Here | ||
| Official Website of Department | Click Here | ||
Exam Preparation Strategy
Since the 2025 recruitment for this finance role (e.g., Credit Analyst or similar) involves no written exam and focuses on shortlisting followed by an interview, treat the interview as the core “exam.” With eligibility requiring CA/MBA (Finance)/PGDM or equivalent, plus 3+ years experience in credit analysis/project appraisal, preparation emphasizes building expertise in financial modeling, credit risk, and RBI norms. Crack it by demonstrating analytical skills, practical experience, and communication. Start 2-3 months early, reviewing syllabus topics like financial ratios, balance sheet analysis, and banking regulations.
Understanding the Selection Process
- Shortlisting: Based on resume—highlight 3+ years experience, quantifiable achievements (e.g., “Assessed 50+ loans, reducing NPA by 15%”).
- Interview: 30-60 minutes, panel-based; covers technical (70%), behavioral (20%), current trends (10%).
- Final Merit: Interview performance + document verification; aim to showcase problem-solving.
Building a Strong Foundation
- Focus: 50% technical (ratios, risk assessment), 30% experience stories, 20% regulations (RBI prudential norms).
- Daily Plan: 2-3 hours—1h reading/concepts, 1h practice questions, 30min current affairs (Economic Times/ RBI site).
Subject-Specific Preparation
- Financial Analysis & Ratios: Master liquidity (current ratio), solvency (debt-equity), profitability (ROE/ROA).
- Credit Risk/Corporate Finance: Practice case studies on loan approvals.
- RBI Guidelines: Know Basel III, IRAC norms.
- Trend: 2025 interviews emphasize real-world scenarios over theory.
How to Crack This Type of Exam
- Timeline: Week 1-4 basics/review experience; 5-8 mocks; 9-12 refine answers.
- Tips: Use STAR method for behavioral questions (Situation, Task, Action, Result). Research company (e.g., if bank, their NPA trends).
- Avoid: Generic answers; back claims with examples (e.g., “Used DCF to approve ₹50cr loan”).
Importance of Mock Tests
- Simulate interviews: Practice 2-3 weekly via platforms like Pramp/Exponent; record to improve delivery.
- Benefits: Builds confidence, refines timing (answer in 2-3 min), identifies gaps (e.g., weak on ESG risk).
Role of Previous Year Papers
- Review past interview questions (from sites like Indeed/CFI); spot repeats (e.g., “Explain 5Cs of Credit”).
- Trend: 2023-24 focused on post-COVID recovery; adapt for 2025.
Latest Trends
- AI/ML in Risk: Questions on automated scoring (e.g., “How AI impacts credit decisions?”).
- ESG Integration: Assess sustainability risks in loans.
- Digital Finance: Fintech impacts, cyber risks.
- Skills Shift: Emphasis on data analytics, soft skills for hybrid work.
Sample Questions and Recommended Books/Study Material
Here are 20 sample questions from previous interviews/mocks (2020-2024, updated for 2025 trends like ESG/AI), based on syllabus. Sourced from CFI, Indeed, WallStreetMojo. Includes answers where available.
Sample Questions
mock tests (2020-2024), updated for 2025 trends like AI/ESG.
Sample Questions
General/Behavioral
- Why are you interested in a credit analyst role at SBI?
- How do you handle a disagreement with a senior on a credit decision?
- Describe a challenging credit analysis project you completed.
- How do you prioritize tasks under tight deadlines?
- Explain a financial concept to a non-finance manager.
Financial Analysis & Ratios
- What does the Current Ratio indicate, and what is an ideal value?
- How do you calculate Return on Equity (ROE)?
- What is the significance of the Debt-to-Equity Ratio?
- How would you interpret a declining Net Profit Margin?
- What are the key liquidity ratios used in credit analysis?
Credit Risk Assessment
- What are the 5Cs of Credit, and how do you apply them?
- How would you assess credit risk for a ₹500 crore corporate loan?
- What factors influence a company’s credit rating downgrade?
- Differentiate between systematic and unsystematic risk in credit evaluation.
- How do you evaluate the creditworthiness of a startup?
Balance Sheet & Profit-Loss Analysis
- What items on a balance sheet are critical for credit analysis?
- How do you analyze a company’s cash flow statement for loan approval?
- What does a negative cash flow from operations indicate?
- How would you identify revenue manipulation in P&L statements?
- Explain the impact of depreciation on a company’s financial health.
Recommended Books/Study Material
Core Finance & Analysis
- Financial Statement Analysis by K.R. Subramanyam: For ratios, balance sheet/P&L deep dives.
- Principles of Corporate Finance by Brealey, Myers, Allen: Corporate finance basics, regulations.
Credit Risk Specific
- The Handbook of Credit Risk Management by Sabine Bielefeld: Risk assessment, modeling; key for interviews.
- Credit Risk Analytics by Bart Baesens: Data-driven risk, AI trends.
Interview Prep
- CFI Interview Book (Free PDF): 70+ pages of questions/answers; from CFI site.
- Credit Analyst Interview Questions by Richard McMunn: Behavioral/technical focus.
Frequently Asked Questions (FAQ)
Q.1 – When does SBI Credit Analyst Recruitment 2025 online application start?
Ans. – The application process starts on 11 September 2025.
Q.2 – What is the last date to apply?
Ans. – The last date to apply online is 02 October 2025.
Q.3 – What is the total number of vacancies?
Ans. – There are 63 vacancies for Manager (Credit Analyst).
Q.4 – What is the age limit?
Ans. – Age must be between 25 to 35 years as on 01 April 2025.
Q.5 – What is the qualification required?
Ans. – Candidates must have CA / MBA (Finance) / PGDM (Finance) with 3 years’ experience.
Q.6 – Is there any written exam?
Ans. – No, selection will be based on shortlisting + interview.
Q.7 – What is the application fee?
Ans. – General/OBC/EWS: ₹750, SC/ST/PwD: Nil.
Q.8 – What is the salary?
Ans. – The approximate gross monthly salary is ₹1.1 lakh.
Q.9 – What is the official website?
Ans. – The official website is SBI Careers
Q.10 – Where can I get updates in simple words?
Ans. – Visit GovtJobLink.com for simplified updates.
For more latest government job updates, also check our Latest Jobs page.
The information provided here is for quick reference and simplified understanding. Candidates are strongly advised to visit the official website (SBI Careers) for complete and authentic details including eligibility, syllabus, and official notifications. For easy to understand the notification details and simplified job details, please visit GovtJobLink.com..