J&K Bank Credit Auditor Recruitment 2026 – 1 Contract Post, Apply Online by 22 October 2026

Post-Wise Vacancy & Pay Scale

Eligibility Criteria & Educational Qualification

Credit Auditor

• Candidates must have retired honourably — either through superannuation or Voluntary Retirement Scheme (VRS).
• No punishment (major or minor) should have been awarded; the candidate must not have been charge-sheeted and punished for serious lapses or offences during active service.
• Must be a retired officer at Scale III or above.
• Minimum 15 years of experience as an Officer in the bank with a satisfactory track record.
• Must include at least 3 years of experience in dealing with high-value credit, project finance, consortium lending, foreign exchange portfolio at branches or at controlling offices, or as Credit Auditor.
• Adequate computer knowledge, ability to handle computers independently for online report punching, and familiarity with Finacle Core Banking Solution (CBS) are mandatory.
• Retired officers of other PSU Banks must furnish a certificate in the prescribed Annexure from the Human Resource Department of the Head Office of their respective employer banks.
• Must be medically fit to carry out the Credit Audit assignment, supported by a certificate from a medical practitioner (minimum MBBS).
• Must be able to undertake travel even to distant branches or places for audit, inspection, or security verification in case of need.

Selection Process & Screening Clause

• The official notification does not explicitly describe the selection stages. Selection will be based on the Bank's internal assessment of the applicant's profile, experience, and suitability for the Credit Auditor contract role.
• Candidates must submit both the online application (by 22 October 2026) and the hard copy with all annexures (by 23 October 2026). Incomplete submissions will not be considered.
• The Bank reserves the right to reject any application without assigning any reason thereof.
• No TA/DA will be paid for any stage of the selection or engagement process.

Required Documents & Instructions for Candidates

• Downloaded and Print-Ready Application Form (filled online by 22 October 2026)
• All Duly Filled Annexures Prescribed in the Official Notification
• Certificate from Human Resource Department of Head Office of Respective Employer Bank (for retired officers of other PSU Banks)
• Medical Fitness Certificate from a medical practitioner (minimum MBBS)
• All Degree Certificates and Experience Records Demonstrating 15 Years of Service
• Proof of Age (Matriculation Certificate / Birth Certificate)
• Two Recent Passport-Size Photographs & Valid Photo ID Proof (Aadhaar / Voter ID / PAN)

Send the hard copy of the completed application form along with all annexures by post or hand delivery so that it reaches the office of the Deputy General Manager, S, C and Audit Division, J&K Bank Corporate Headquarters, M.A. Road, Srinagar 190001 on or before 23 October 2026.

Frequently Asked Questions

1. What is the last date to apply for J&K Bank Credit Auditor 2026?

The online application must be submitted on or before 22 October 2026. The hard copy of the downloaded application form along with duly filled annexures must reach the J&K Bank Corporate Headquarters in Srinagar by or before 23 October 2026.

2. Where should the hard copy of the J&K Bank Credit Auditor application be sent?

The hard copy must be delivered to the Deputy General Manager, S, C and Audit Division, J&K Bank Corporate Headquarters, M.A. Road, Srinagar 190001. It may be sent by post or hand delivery.

3. Is there an application fee for J&K Bank Credit Auditor recruitment?

The official notification does not specify an application fee for this contractual Credit Auditor position.

4. Is this a permanent government job?

No. This is a contractual engagement for a fixed period from 1 November 2026 to 31 October 2027. It is not a permanent cadre position and does not carry lifetime pension or permanent government job security.

5. What is the salary or remuneration for J&K Bank Credit Auditor?

The official notification does not specify the monthly remuneration for the Credit Auditor contract role. Candidates should refer to the J&K Bank Credit Auditor Official Notification PDF for any further details.

6. What is the age limit for J&K Bank Credit Auditor 2026?

Candidates must not be above the age of 65 years as on 01 September 2026.

For complete details, download the J&K Bank Credit Auditor Official Notification PDF or visit the Jammu & Kashmir Bank Official Website.