BOI Credit Officer Recruitment 2025!
Bank of India has announced the recruitment of Credit Officers for the General Banking Officer (GBO) stream for the 2025-26 period. The positions are available across three scales SMGS-IV, MMGS-III and MMGS-II, with a total of 514 vacancies to be filled. For more information read complete Official Notification.
Vacancies Details:
The number of vacancies and reserved positions for the Credit Officer role is subject to change based on the actual requirement of the Bank.There are currently 418 vacancies for the position of Credit Officer at the MMGS-II level, along with 60 vacancies for Credit Officers at the MMGS-III level, and 36 vacancies for Credit Officers at the SMGS-IV level.
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Eligibility Criteria:
Credit Officer (MMGS-II): Candidates must possess a graduation degree in any field with a minimum of 60% marks or 55% for those belonging to SC/ST/OBC/PwBD categories. Preferred qualifications include professional certifications such as CA, CFA, or ICWA, or an MBA/PGDBM/PG in Finance, Banking, or related credit disciplines. Applicants should have at least 3 years of experience as an officer, with a minimum of 2 years specifically in MSME, Commercial, Project, or Mid & Large Credit processing within scheduled banks or recognized financial institutions.
Credit Officer (MMGS-III): Candidates to hold a bachelor’s degree in any field, with a minimum of 60% marks (or 55% for SC/ST/OBC/PwBD categories). While the educational qualifications align with those for MMGS-II, applicants must also possess a minimum of 5 years of experience as an officer, which must include at least 3 years specifically in relevant credit processing.
Credit Officer (SMGS-IV): Candidates to hold a bachelor’s degree with a minimum of 60% marks (55% for reserved categories), along with an MBA, PGDBM, or a master’s degree, or professional qualifications such as CA, CFA, or ICWA. Additionally, candidates with IIBF certifications in International Trade Finance, Credit Professional, or MSME will be preferred. Applicants should possess at least 8 years of experience as an officer, with a minimum of 5 years dedicated to relevant credit processing.
Age Limit:
The age requirements for the positions of Credit Officer are as follows for MMGS-II candidates must be between 25 and 35 years old for MMGS-III the age range is 28 to 38 years and for Credit Officer SMGS-IV, applicants should be aged 30 to 40 years. There are provisions for age relaxation, which include an extension of 5 years for SC/ST candidates, 3 years for OBC (Non-creamy layer) applicants, 10 years for persons with disabilities (PwBD) and 5 years for ex-servicemen.
Pay Scale:
The official notification outlines the basic pay scale, which is accompanied by various allowances and benefits in accordance with public sector banking standards.
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Selection Process:
The selection process will involve either an online test or a personal interview, contingent upon the number of applicants or eligible candidates.
How to Apply:
- To apply for the position begin by visiting the Official Website and navigating to the careers section.
- There you will find the recruitment notification detailing the available opportunities.
- Look for the Online Application link which will direct you to the application form.
- Complete the form with the required information and ensure you pay any applicable application fees or intimation charges.
- Finally, review your application for accuracy before submitting it.
Important Dates:
- Online application start date: 20.12.2025
- Last date for online application: 05.01.2026