Bank of India Credit Officer Recruitment 2026: Apply Online for 779 Credit Officer Posts
Job Description
Bank of India (BOI) has officially released the Credit Officer Recruitment 2026 notification for 779 vacancies under the General Banking Officer (GBO) Stream. This recruitment offers an excellent opportunity for graduates looking to build a rewarding career in the banking sector.
Interested candidates can apply online through the official Bank of India website. The online application process has already started, and the last date to submit the application is 20 July 2026.
Job Overview
| Particular | Details |
|---|---|
| Organization Name | Bank of India (BOI) |
| Post Name | Credit Officer (General Banking Officer Stream) |
| Advertisement No. | 2026-27/01 |
| Total Vacancies | 779 Posts |
| Job Location | Across India |
| Salary | ₹64,820 – ₹1,20,940 Per Month (Scale Wise) |
| Qualification | Graduation with Minimum 60% Marks |
| Experience | As Per Scale-wise Eligibility |
| Application Mode | Online |
| Last Date to Apply | 20 July 2026 |
Job Description
Bank of India has invited online applications for the recruitment of Credit Officers under different management grades. Selected candidates will be responsible for evaluating loan proposals, assessing credit risk, maintaining customer relationships, processing banking operations, and supporting various financial and lending activities.
This recruitment drive aims to strengthen the bank’s credit management team by hiring qualified professionals for different management scales.
About the Company
Bank of India (BOI) is one of India’s leading Public Sector Banks, established in 1906. Headquartered in Mumbai, the bank operates thousands of branches across India and overseas. BOI provides a wide range of banking and financial services, including retail banking, corporate banking, MSME finance, digital banking, agriculture loans, and international banking.
The bank is known for offering excellent career opportunities, attractive salary packages, job security, and professional growth to its employees.
Vacancy Details
| Scale | Vacancies |
|---|---|
| MMGS-II (Middle Management Grade Scale-II) | 677 |
| MMGS-III (Middle Management Grade Scale-III) | 61 |
| SMGS-IV (Senior Management Grade Scale-IV) | 41 |
| Total | 779 |
Eligibility Criteria
Educational Qualification
Candidates must possess:
- Bachelor’s Degree in any discipline from a recognized University.
- Minimum 60% marks in Graduation.
- SC/ST/OBC/PwBD candidates are eligible for 5% relaxation in marks as per the official notification.
Age Limit (As on 01 June 2026)
| Scale | Age Limit |
|---|---|
| MMGS-II | 25 – 32 Years |
| MMGS-III | 28 – 38 Years |
| SMGS-IV | 32 – 45 Years |
Age Relaxation
- SC/ST: 5 Years
- OBC (Non-Creamy Layer): 3 Years
- PwBD: 10 Years
- Other categories: As per Government rules
Gender
- Male and Female candidates are eligible.
Experience Required
Candidates must satisfy the experience requirements applicable to the respective scale as mentioned in the official notification.
Job Responsibilities
Selected candidates will be responsible for:
- Assess credit proposals and loan applications.
- Conduct financial analysis and credit appraisal.
- Evaluate customer creditworthiness.
- Process retail and corporate loan applications.
- Ensure compliance with RBI and banking guidelines.
- Prepare credit reports and documentation.
- Maintain customer relationships.
- Coordinate with internal banking departments.
- Monitor loan portfolios and risk management.
- Support branch business growth.
Required Skills
Technical Skills
- Banking and finance knowledge
- Credit appraisal and risk assessment
- Financial statement analysis
- MS Office proficiency
- Documentation management
- Regulatory compliance knowledge
Soft Skills
- Excellent communication skills
- Analytical thinking
- Decision-making ability
- Customer relationship management
- Problem-solving skills
- Leadership qualities
- Time management
- Attention to detail
- Professional ethics
Salary Details
Selected candidates will receive an attractive salary according to their management grade.
| Scale | Monthly Pay Scale |
|---|---|
| MMGS-II | ₹64,820 – ₹93,960 |
| MMGS-III | ₹85,920 – ₹1,05,280 |
| SMGS-IV | ₹1,02,300 – ₹1,20,940 |
Additional Benefits
Employees may also receive:
- Dearness Allowance (DA)
- House Rent Allowance (HRA)
- Medical Benefits
- Leave Benefits
- Pension & Retirement Benefits
- Performance Incentives
- Career Promotion Opportunities
- Other Bank Allowances
Application Fee
| Category | Fee |
|---|---|
| SC/ST/PwBD | ₹175 |
| General/OBC/EWS | ₹850 |
Selection Process
The recruitment process consists of the following stages:
1. Online Examination
| Subject | Questions | Marks |
|---|---|---|
| English Language | 25 | 25 |
| Professional Knowledge | 100 | 100 |
- Total Duration: 120 Minutes
- Negative Marking: 0.25 marks for each incorrect answer.
2. Personal Interview
Candidates shortlisted in the online examination will be called for the interview.
Final Merit List
The final selection will be based on:
- Online Examination: 70% Weightage
- Interview: 30% Weightage
Depending on the number of applications received, the bank may conduct direct interviews without an online examination.
How to Apply
Interested candidates can apply online by following these steps:
- Visit the official Bank of India website.
- Click on the Career section.
- Open the Recruitment of Credit Officers in GBO Stream Project No. 2026-27/01 notification.
- Click on Apply Online.
- Register using your name, mobile number, and email ID.
- Log in using the generated registration number and password.
- Complete the application form with accurate details.
- Upload the required documents in the prescribed format.
- Pay the application fee online.
- Submit the application and download the confirmation page for future reference.
Required Documents
Candidates should keep the following documents ready:
- Recent Passport Size Photograph
- Signature
- Left Thumb Impression
- Handwritten Declaration
- Graduation Mark Sheets
- Graduation Degree Certificate
- Aadhaar Card or Government ID Proof
- Caste Certificate (if applicable)
- PwBD Certificate (if applicable)
- Experience Certificate (if applicable)
- Valid Email ID and Mobile Number
Important Dates
| Event | Date |
|---|---|
| Online Application Starts | 30 June 2026 |
| Last Date to Apply Online | 20 July 2026 |
| Fee Payment Last Date | 20 July 2026 |
Why Join Bank of India?
- Secure Government Bank Job
- Attractive Salary Package
- Excellent Career Growth
- Promotion Opportunities
- Pension & Retirement Benefits
- Medical Facilities
- Job Stability
- Nationwide Posting Opportunities
- Prestigious Public Sector Banking Career
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