Overview
Tamilnad Mercantile Bank Ltd. (TMB) invites applications from experienced and eligible banking professionals for the position of Credit Trainer on a contract basis. This recruitment drive, part of TMB's 2026 initiatives, seeks to onboard individuals with a strong background in credit and banking operations to impart crucial training to the bank's employees. The engagement is for a fixed period of six months, offering a consolidated remuneration.
Important Dates
Prospective candidates should note the following key dates for this recruitment:
| Event | Date |
|---|---|
| Opening Date for Online Registration | October 17, 2026 |
| Last Date for Online Application | October 31, 2026 |
Vacancy Details
TMB is recruiting for 1 (one) Credit Trainer position. This role is offered on a contract basis for an initial period of six months.
Eligibility Criteria
Applicants must fulfill the specific eligibility requirements detailed below:
- Retirement Status: Candidates must be retired officers from Tamilnad Mercantile Bank or any other scheduled commercial bank.
- Cadre: At the time of retirement, officers should have held a position in Scale III or above.
- Service Record: Applicants must possess an unblemished service record. Officers who were removed or dismissed from banking service due to disciplinary actions are not eligible.
- Professional Track Record: Only individuals with a proven good track record suitable for the bank's requirements will be considered. Preference will be given to candidates with previous work experience in the Credit Department.
- Age Limit: Candidates should not be more than 62 years of age.
Pay and Tenure
Selected candidates will receive a consolidated pay of ₹50,000/- per month for the duration of the 6-month contract. It is important to note that no other allowances, perquisites, bonus, ex-gratia, variable pay, LFC, or medical reimbursement, as admissible to regular employees of the bank, will be provided.
Job Description
The primary responsibilities of a Credit Trainer at TMB include, but are not limited to:
- Delivering comprehensive training programs on banking products, credit policies, and various loan processes.
- Educating employees on underwriting procedures for retail, MSME, housing, and personal loans.
- Explaining credit appraisal techniques, financial analysis, and risk assessment methodologies.
- Conducting sessions on documentation requirements, compliance standards, KYC norms, and relevant regulatory guidelines.
- Developing engaging training materials, presentations, case studies, and assessment modules.
- Providing support and guidance to new joiners during their induction and onboarding programs.
- Monitoring trainee performance through tests, assignments, and practical evaluations.
- Offering coaching on customer handling skills, sales quality, and portfolio management.
- Ensuring employees' understanding of bank policies related to Non-Performing Asset (NPA) control and recovery practices.
- Coordinating with business teams and credit departments to ensure training content reflects current process updates.
- Identifying training needs and recommending skill development initiatives for staff.
- Maintaining accurate training records, attendance logs, certification details, and Management Information System (MIS) reports.
- Conducting refresher training programs whenever policy or product changes occur.
- Assisting branches and field teams in enhancing credit quality and operational efficiency.
- Supporting audit readiness and ensuring adherence to internal credit standards.
- Undertaking any other responsibilities assigned by the Bank.
Selection Process
The selection process for the Credit Trainer position will involve an interview. Shortlisted candidates will be invited for either a direct personal interview or an interview conducted via video conferencing. The specific mode, date, and time of the interview will be communicated individually to eligible candidates.
How to Apply
Interested and eligible candidates must apply online through the official careers portal of Tamilnad Mercantile Bank Ltd. The application procedure is as follows:
- Visit the Bank’s official website: https://apps.tmbdigital.bank.in/tmb_careers/.
- Click on the “Apply Online” link and proceed to register for the Credit Trainer post.
- Register with a valid personal email ID and mobile number to create a unique User ID.
- Note down the Unique Registration Number and Password, which will be sent to your registered mobile number and email.
- Activate your account by clicking the activation link sent to your registered email ID, which will redirect you to the Careers portal.
- Log in using your Application number (Registration Number/Username) and password.
- Carefully fill in all required details in the online application form, ensuring that names match exactly with supporting certificates. Click “Save/Continue” periodically.
- Upload a scanned passport-size photograph with preferred dimensions of 390 x 520 pixels and a maximum file size of 120 KB.
- Upload a scanned signature with preferred dimensions of 240 x 240 pixels and a maximum file size of 60 KB. Signatures in capital letters will not be accepted.
- Upload self-attested copies of the following documents, ensuring each scanned image size does not exceed 250 KB:
- SSLC or Higher Secondary Mark Sheet/Transfer Certificate for age proof.
- Degree Certificate(s).
- Experience Certificate(s) and Relieving Letter for previous employments.
- Last Month Salary Slip.
- Upon successful submission of the online application form, click “Confirm/Submit” at the bottom of the page. A “Registration is successful” message will be displayed.
- A copy of the system-generated online application form will be sent to your registered email ID. Candidates are advised to take a printout of this for future reference.