Overview
Jammu & Kashmir Bank has announced a recruitment drive for a single position of Credit Auditor on a contractual engagement. This is a specialized audit role designed for experienced retired banking professionals who wish to contribute their expertise on a temporary basis. The contract period extends from November 1, 2026, to October 31, 2027, offering a structured opportunity for eligible retired officers to re-engage with banking operations in an audit capacity.
Important Dates
| Event | Date |
|---|---|
| Notification Release Date | September 30, 2026 |
| Online Application Deadline | October 22, 2026 |
| Hard Copy Submission Deadline | October 23, 2026 |
| Engagement Period Start | November 1, 2026 |
| Engagement Period End | October 31, 2027 |
Vacancy Details
The recruitment notification specifies a single vacancy for the Credit Auditor position. This role is open exclusively to retired officers from the banking sector who meet the specified experience and qualification requirements. Interested candidates should note that the engagement is contractual in nature with a fixed duration of one year.
Eligibility Criteria
Qualification Requirements: Applicants must be retired officers who have achieved at least Scale III rank during their banking career. A minimum of 15 years of cumulative service as an officer is mandatory. Additionally, candidates should possess at least 3 years of hands-on experience in managing high-value credit facilities, project financing arrangements, consortium lending operations, or foreign exchange portfolio management at either branch level or controlling office positions. Prior experience as a credit auditor is also valued.
Technical Competencies: Proficiency in computer operations is essential, with the ability to work independently on digital platforms. Candidates must be competent in navigating Finacle Core Banking Solution (CBS), as this system will be used for preparing and submitting online audit reports.
Service Record Requirements: Retirement must have been honorable, either through superannuation or voluntary retirement scheme (VRS). Candidates with any history of major or minor disciplinary action, chargesheet, or punishment for serious misconduct during active service are ineligible.
Medical Fitness: Candidates must obtain a medical fitness certificate from a qualified medical practitioner holding at least an MBBS qualification, confirming their ability to undertake credit audit assignments.
Mobility Requirements: Candidates should be prepared to undertake travel to various branches and remote locations for conducting audits, inspections, and security verifications as assigned by the bank.
Age Limit: Applicants must not have crossed 65 years of age as on September 1, 2026.
Additional Note for Other Bank Retirees: Retired officers from other public sector bank entities must provide a formal certificate from their respective employer bank's Human Resource Department at the Head Office level.
Selection Process
The official recruitment notification does not provide detailed information regarding the selection methodology. Candidates are advised to review the complete official notification or contact the bank directly for clarification on the selection framework, including any interviews, document verification, or assessment procedures that may be conducted.
How to Apply
Step 1: Access Application Portal Visit the official Jammu & Kashmir Bank website at www.jkb.bank.in to locate and download the application format.
Step 2: Complete Online Application Fill in all required fields in the online application form. The application window remains open for 14 days from the official notification date, with the final submission deadline being October 22, 2026.
Step 3: Document Preparation Print the completed application form and compile all supporting documents, including duly filled annexures, medical fitness certificate, and (if applicable) the HR certificate from your previous employer bank.
Step 4: Physical Submission Send the printed application form along with all annexures and certificates via post or hand delivery to the designated address: Deputy General Manager, Supervision, Compliance and Audit Division, J&K Bank Corporate Headquarters, M.A. Road, Srinagar 190001. Ensure delivery by October 23, 2026.
Documents to Attach:
- Downloaded and printed application form
- Completed annexures as specified in the notification
- Medical fitness certificate from a qualified physician
- HR department certificate (for retired officers from other PSU banks)
Important Note: Both online and offline submission deadlines are strict and non-negotiable. Applications received after the specified dates will not be considered. The bank reserves discretionary authority to reject any application without providing specific reasons.