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PNB Credit Officer Syllabus 2022

The Punjab National Bank (PNB), India's first Swadeshi bank, began operations from Lahore on April 12, 1895, with an authorised capital of INR 2 lac and a working capital of INR 20,000. The bank was founded in the spirit of nationalism, and it was the first bank entirely managed by Indians and funded entirely by Indian capital. PNB has merged/ amalgamated with 9 banks during the course of its lengthy existence.

PNB announced 147 vacancies for various posts under Credit Officer through official notification released on 21 May 2022. The online application for PNB Credit officer post will be started by PNB on 22 April 2022. The last date for filling the application is 7 May 2022. The PNB will compile a merit list based on the written tests. As a result, applicants must obtain the PNB Credit Officer Syllabus and complete each topic before the test. If you complete the entire syllabus, you will undoubtedly obtain a high test score.

PNB Credit Officer Syllabus

The syllabus for the PNB Credit Officer exam comprises questions from four sections: Reasoning, Quantitative Aptitude, English & Professional Knowledge (Financial Management). The detailed syllabus of PNB Credit Officer is mentioned in the below table.

SectionTopics
English LanguageArticles, Adverbs, Verb Agreement, Idioms and Phrases, Tenses, Error Corrections, Vocabulary, Comprehensions, Grammar, Sentence Arrangements, Fill in the blanks, Synonyms, Unseen Passages, Error Correction
ReasoningAnalogy, Classification, Logical Sequence, Missing series, Coding-decoding, Dice & cubes, Water image, mirror image, figure matrix.
Quantitative AptitudeAverage, numbers, compound interests, partnership, problem on ages, calendar, boats and streams, clock, height and distance, percentage, pipes and cisterns, profit and loss, speed, time and distance, simple interest, problem on trains, time and work
Professional KnowledgeAccounts, Financial management, cost management, banking awareness.

The detailed syllabus for Professional Knowledge has not been provided in the notification. But, based on the pattern and similar profiles, we have compiled the topics which might be asked under Professional knowledge section.

SectionTopics
Professional knowledge

1. Credit Management in Banks

Screening of Applications-Appraisal of Credit-Sanction Limit- Post Sanction Compliance - Monitoring Supervision - Review- Government Policies for Credit Extension- Credit Institutions- Principles of Good Lending- Borrower Study and Bankers Opinion- Credit Policy by Banks- Government Regulation of Credit -Prudential Norms.

2. Over View of Credit Policy and Loan Characteristics

The Credit Process –Characteristics of Different Types of Loans- Evaluating Commercial Loan Requests - Financial Statement Analysis- Cash Flow Analysis- Projections-Management of the Firm and other Factors -Feasibility Study - Fundamental Credit Issues - Credit Analysis-Different Types of Borrowers - Balance Sheet Analysis for Lending - Forms of Advances Secured and Unsecured Advances- Short Term and Long-Term Advances.

3. Evaluating consumer loans

Types- Credit analysis of consumer loans- Risk-return analysis of consumer loans- Customer profitability analysis and loan pricing- Fixed Vs floating rates

4. Loan and Advances Against Pledge

Hypothecation- Mortgage - Lien- Advances Against Goods- Document to Title to Goods - Life Insurance Policies - Stock Exchange Securities-Fixed Deposit Receipts - Book Debts- Supply Bills- Real Estates - Advance Against Collateral Securities

5. Agricultural Finances and Retail Lending

Crop Loans- Crop Insurance Schemes- Dairy- Sericulture- Poultry- Animal husbandry - Horticulture - Kissan Credit Cards - NABARD Initiatives - Lead Bank Schemes - Retail Banking Advances - Concept - Retail Banking Products - Consumer Credit Financing.

6. NPA Management 

Introduction- Identification of NPAs- Asset Classification- Prudential Norms- Capital Adequacy - International Banking Regulation-Basel Norms - Asset Classification Provisioning - Effect of NPA on Profitability - Assessment Procedure- Pre-sanction Appraisal - Post Sanction Supervision- Monitoring Systems for existing and likely NPAs-Tools to manage NPAs -Compromise Scheme, Lok Adalat, Debt Recovery Tribunals, Wilful Defaulters, SARFAESI Act, Asset Reconstruction Companies-CIBIL.

PNB Credit Officer Exam Pattern 2022

Candidates will go through online tests and/or GD and/or personal interviews, depending on the number of applicants/eligible candidates.

Online Exam Pattern

The structure of the online examination will be as under:

PartsName of TestsNo. of QuestionsMaximum MarksDuration
Part 1Reasoning404025 min.
English Language404025 min.
Quantitative Aptitude404025 min.
Part 2Professional Knowledge5010045 min.

Important Points:

  • The tests except for the Test of English Language will be available bilingually, i.e. English and Hindi.
  • The test for the English Language will be of qualifying nature.
  • There will be a penalty for wrong answers marked in the Objective Tests.

Personal Interview

Personal Interview will be conducted by Bank in the following manner:

  • Candidates who obtain minimum qualifying marks as decided by the Bank in Part-I, will be considered for shortlisting for Interview on the basis of merit prepared as per marks obtained by them in Part-II i.e. Professional Knowledge Test, provided they fulfil the other eligibility criteria with regard to Educational qualification and Post qualification work experience for the respective post.
  • Personal Interview will be of 25 marks. Minimum qualifying marks in interview shall be 45% i.e. 11.25 for SC/ST candidates & 50% i.e. 12.5 for other candidates.
  • Candidates will be provisionally selected for issuing offer of appointment on the basis of aggregate scores obtained by them in Online Written Test Part-II i.e. Professional Knowledge Test and Interview. A candidate should therefore qualify both in the Online Written Test as well as in interview and be sufficiently high in the merit besides fulfilling other eligibility criteria, to be shortlisted for subsequent provisional appointment.

Conclusion

Applicants who do not know the PNB Credit Officer Syllabus 2022 will not be able to do well in the written test. As a result, the Bank of India has posted the curriculum, as well as the Bank Of India Credit Officer Examination Pattern, on its main website. We hope you found this post useful in learning more about the PNB Credit Officer Syllabus and Exam Pattern. You have plenty of time to study for it. Also, keep in mind that an MCQ test necessitates a deep understanding of the subject. So get a hold of the curriculum, read it, and begin studying. Study hard and give it everything you've got. You will be successful.

FAQs

When is PNB Credit Officer exam date?

The PNB Credit Officer exam date is scheduled on 12 Jun 2022.

What is the fees for PNB Credit Officer? +

Fees or Unreserved Category is INR 850. SC/ST/PWD category fees is INR 50.

What is the last date to fill PNB Credit Officer form? +

The last date to apply online for PNB Credit officer 2022 is 7th May 2022.

How many questions are asked in PNB credit officer exam? +

There are total 170 questions in the exam. Part 1 has 120 questions and part 2 has 50 questions.

What is the duration of PNB credit officer 2022 exam? +

The exam will be conducted for 120 minutes.

What are the stages of selection for PNB Credit Officer exam 2022? +

There will be two stages for PNB credit officer exam - Online exam & interview.

How many vacancies are there in PNB Credit Officer exam 2022? +

There are 145 vacancies in PNB credit officer exam 2022.

Do we need post qualification experience for PNB credit officer 2022? +

Yes, candidates need to have minimum 1 year post qualification experience for PNB credit officer.

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