CBI Credit Officer study plan

Map the full credit appraisal chain from application to disbursement and name the document produced at each stage

Compute and interpret the four retail ratios a credit officer uses most: FOIR, LTV, DSCR and EMI-to-income

Reconstruct a borrower's cash flow from salary slips and bank statements for two contrasting retail profiles

Classify MSME borrowers under the Udyam turnover and investment thresholds and note which appraisal route each triggers

Build a three-statement model for a small manufacturing borrower and link profit, balance sheet and cash flow correctly

Calculate working capital gap, MPBF under the two lending methods, and justify the chosen method

Compute and interpret key ratios: current ratio, debt-equity, interest coverage, inventory and receivable turnover

Detect three common window-dressing signals in a supplied-style balance sheet narrative and state the follow-up query for each

Appraise an agricultural loan using scale of finance, crop cycle, repayment seasonality and land record verification

Explain priority sector lending targets and how agriculture, MSME and weaker section loans count toward them

Apply the KYC process end to end: customer identification, beneficial ownership, risk categorisation and periodic updation

Draft the collateral and security documentation checklist for a secured term loan and identify common perfection defects

Summarise the AML reporting obligations a branch must meet: STR, CTR, cash transaction thresholds and record retention

Distinguish wilful defaulter, fraud account and SMA classification and state the reporting consequence of each

Outline the RBI supervisory and regulatory architecture relevant to lending: banking regulation, supervision and enforcement functions

Explain the functioning of key development financial institutions and deposit insurance in the Indian banking system

List the fair practices and customer protection requirements that apply at loan sanction and during recovery

Trace how monetary policy rates transmit to lending rates and explain the benchmark-linked loan pricing regime

Connect current economic developments such as inflation, GDP and budget announcements to likely credit demand in at least two sectors

Identify the grievance redressal route for a borrower complaint and the timelines involved

Solve data interpretation sets on tables and caselets under timed conditions at 90 seconds per question

Practise percentage, ratio, average and interest computations to the point of error-free mental approximation

Work through seating arrangement, syllogism and blood relation puzzles using a fixed solving template

Review every error from practice sets and record the cause: concept gap, misread or time pressure

Practise reading comprehension on banking and economics passages and answer inference questions with textual evidence

Drill error detection, sentence rearrangement and cloze tests focused on grammar rules that recur in banking exams

Build a 40-term glossary of credit and compliance vocabulary and use each term in one original sentence

Complete a timed mixed reasoning and English set and analyse time allocation per question type

Revise all high-yield credit appraisal formulas and compliance thresholds from condensed personal notes

Take two full-length timed mocks and compare section-wise scores against the week 4 and week 6 baselines

Revisit every flagged error from earlier weeks and confirm each concept is now resolved

Finalise a one-page exam-day strategy covering section order, time caps and skip rules