UBI Specialist Officer Syllabus and Exam Pattern 2017


UBI Specialist Officer Syllabus and Exam Pattern 2017

The UBI Specialist Officer has only 200 vacancies, so it is of utmost importance that you need to score well in order to secure a seat. The UBI Specialist Officer exam will test your knowledge of English Language, Reasoning, Quants, General Awareness and your professional knowledge in the area of your professional expertise.The Professional Knowledge paper carries almost the half weightage of the whole exam. So let’s take a look at the following article on UBI Specialist Officer Syllabus and Exam Pattern 2017 carefully that will give you some insights of the professional type of topics asked in the exam.

UBI Specialist Officer Selection Procedure 2017

The Selection Procedure will have 3 stages:
  1. Written Exam
  2. GD (if conducted)
  3. Personal Interview

UBI Specialist Officer Exam Pattern 2017

Name Of The TestsNo. Of QuestionsMarks
Quantitative Aptitude5050
Professional Knowledge related to the post50100
English Language5050
  1. The above tests except for the test of English language will be available bilingually i.e. English and Hindi.
  2. The Bank also reserves the right to alter the structure of the online examination.
  3. Negative marking for wrong answers with a penalty of 25% of the marks assigned to that question.

UBI Specialist Officer 2017: Personal Interview

  • A Personal Interview of 50 marks shall be conducted to assess the academic & job knowledge, power of expression, clarity of thought, qualities of leadership, extracurricular activities, hobbies, general demeanor, behavior, communication skills, suitability for the post, etc. of the applicant.
  • The minimum qualifying marks for the Personal Interview would be 25 marks (22.5 marks for Reserved Category applicants).
  • The applicants not securing the minimum qualifying marks in the Personal Interview will be disqualified for selection.

UBI Specialist Officer Syllabus – Overview of Credit

1. Principles of Lending
Sub-Topics: Safety, Liquidity, Profitability, Purpose of Loan, Diversification Risk.

2. Model Credit Policy
Sub-Topics: Importance, Contents, Exposure Norms, Model MSE Policy.

3. Types of Borrowers
Sub-Topics: Individuals – Major, Minor, Married Women, Pardhanashin Women, Illiterate persons, Agent, Attorney, Joint Borrowers and more.

4. Types of Credit Facilities
Sub-Topics: Cash Credit, Overdrafts, Demand Loan, Bills Finance – Drawer Bill Scheme, Bills Discounting.

5. Credit Delivery
Sub-Topics: Modes of Delivery, Sole Banking Arrangement, Multiple Banking Arrangement, Consortium Lending, Syndication

6. Credit Appraisal
Sub-Topics: Validation of proposal, Dimensions of Credit Appraisals, Six “C” s, Structuring of Loan documents, Credit Risk, Credit Risk Rating, Credit Worthiness of Borrower, Purpose of Loan, Source of Repayment, Cash Flow, Collateral.

7. Credit Rating
Sub- Topics: Measurement of Risk, Objective of Rating, Internal & External Rating, Model Credit Rating, Methodology of Rating, Internal & External Comparison, Model Rating Formats.

 Specialist Officer Syllabus – Analysis of Financial Statements

1. Analysis of Financial Statements
Sub-Topics: Balance Sheet – Definition, Balance Sheet & Banker, Classification of Assets & Liabilities, Current Assets, Fixed Assets, Non-current Assets, Intangible & Fictitious Assets, Liabilities – Current Liabilities, Medium & Term Liabilities, Capital & Reserve, Classification of Current Assets & Current Liabilities, Balance Sheet Analysis, Analysis of Profit & Loss Account, Auditor’s Note. Ratio Analysis – Classification of Ratios, Liquidity Ratios, Leverage Ratios, Activity Ratios, Profitability Ratios, Interpretation of important Financial Ratios, Uses of Ratios, Fund Flow Statements.

2. Project / Term Loan Appraisal
Sub-Topics: Technical Appraisal, Commercial / Market Appraisal, Managerial Appraisal, Financial Appraisal, Economic Appraisal, Environmental Appraisal, Project Cost & Means of Finance, Cost of Production & Profitability, Sensitivity Analysis, Break-even Analysis, Capital Budgeting – Pay Back Period Method, Time Value Money, Net Present Value, Internal Rate of Return, Life of the Project.

3 Specialist Officer Syllabus – Working Capital Management

1. Working Capital Assessment
Sub-Topics: Capital, Source of Working Capital, Operating / Working Cycle, Computation of storage / Retention Period, Various Methods of Assessment of Working Capital, Computation of Working Capital – Turnover Method, MPBF Method, Cash Budget System, Illustrations, Impact of inadequate Working Capital, Working Capital Finance to IT. & Software Industry, Loan Delivery System, Cash Flow Analysis, Commercial Paper, Credit Delivery, Analysis of CMAdata.

2. Quasi Credit Facilities
Sub-Topics: Advantages of Non-Fund Facilities, Various types of NFB Facilities, Various types Letter of Credits, Assessment of LC limits, Bills Purchase / Discounting under LC.

3. Various types of Bank Guarantees
Sub-Topics: Performance Guarantee, Financial Guarantees, Deferred Payment Guarantees, Types of Performance and Financial Guarantees, Assessment of Bank Guarantees Limit, Period of Claim under Guarantee.

4. Co-acceptance Facilities
Sub-Topics: RBI Guidelines, Co-acceptance of Bills covering supply of Goods & Machinery.

4. Monitoring, Supervision & Follow Up and Management of Impaired Assets

1. Documentation
Sub-Topics: Meaning, Importance, Types of documents, Requisites of documentation, Selection of documents, Stamping of different documents, Mode and time of Stamping, Remedy for un-stamped / under-stamped documents, Documents of which registration is compulsory, Time limit of registration, Consequence of non-registration, Execution, Mode of Execution by different executants, Period of Limitation, Law of Limitation to Guarantor, Extension of period of limitation, Enforcement of documents, Death of Borrower / Guarantor.

2. Types of Charges
Sub-Topics: Purpose, Various types of charges, Types of Security, Mode of charge, Lien, Negative Lien, Set-Off, Assignment, Pledge, Right of Banker as a Pledgee, Duties as a Pledgee, Mode of Charges, Hypothecation, Mortgage – different types of mortgages, Difference between Simple and Equitable Mortgage.

3. Credit Monitoring, Supervision & Follow Up
Sub-Topics: Credit Monitoring – Meaning, Monitoring Goals, Process of Monitoring, Different Monitoring Tools, Check-list for Monitoring, Monitoring by using various statements, QIS Formats/guidelines, Supervision & Follow Up

4. Management of Impaired Assets
Sub-Topics: Introduction, Credit Monitoring, NPA why & how?, NPA Management Policy, Definition of Sick Unit, Non-Performing Assets (NPA), Income Recognition Policy, Assets Classification, Guidelines on Asset Classification, Projects under implementation. Project Loans under Infrastructure and Non-infrastructure Sectors, Projects under Commercial Real Estate Sector, Income Recognition, Takeout Finance, Provisioning Norms for NPA, Provisioning Coverage Ratio (PCR)

5. Specialist Officer Syllabus – Other Credits

1. Export Finance
Sub-Topics: Pre-Shipment Finance-Export Packing Credit in Rupees, Running Account Facility, Pre-shipment credit to specific sectors – Sub Suppliers, Construction Contractors, Export credit to Processors / exporters-Agri Export Zones, Export Credit Insurance Whole Turnover Packing Credit, Pre-Shipment Credit in Foreign Currency (PCFC), Running Account Facility in all currencies, Deemed Exports, Diamond Dollar Account Scheme, Post Shipment Rupee Export Finance, Purchase / Discount of Export Bills, Negotiation of Export Bills.

2. Priority Sector Lending / Government Sponsored Schemes
Sub-Topics: Agriculture (Direct & Indirect) Finance, MSME Finance (Direct & Indirect), Micro Credit, Government Sponsored Schemes, Swarnajayanti Gram Swarozgar Yojana (SGSY), Swarna Jayanti Shahari Rozgar Yojana (SJSRY), Self Employment Scheme for Rehabilitation of Manual Scavengers (SRMS), Swarna Jayanti Shahari Rozgar Yojana, Education Loans, Housing Finance, Weaker Sections, Export Credit, Retail Loans.

You can also see the details recruitment plan along with important dates and eligibility criteria for UBI Speciality Officer by clicking on the link below.

Union Bank of India Recruitment 2017 for Specialist Officers

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