J&K Bank Credit Auditor Recruitment 2026: Apply Online for Retired Scale III & Above Officers

Jammu & Kashmir Bank (J&K Bank) has officially released a recruitment notification for the engagement of Credit Auditors on a contract basis. The advertisement number is No.S&C/CRAUDIT/CHQ/26. The engagement period is from 1 November 2026 to 31 October 2027. This opportunity is specifically open to retired officers who have served as Scale III or above with a minimum of 15 years of experience as an officer in the bank. Online applications will be accepted until 22 October 2026, and hard copies of the application form along with annexures must reach the designated office by 23 October 2026.

J&K Bank Credit Auditor Recruitment 2026: Key Highlights

Jammu & Kashmir Bank is a leading private sector bank in India with a strong presence across various states and union territories. The Credit Auditor position is being offered on a contract basis to retired officers from J&K Bank and other PSU banks. Candidates must have retired honourably, either through superannuation or VRS, without any major or minor punishment or chargesheet for serious lapses during active service. The role requires familiarity with Finacle Core Banking Solution (CBS) and the ability to handle computers independently for online report punching.

Important Dates

• Notification Date: 30 September 2026
• Last Date for Online Application: 22 October 2026
• Last Date for Receipt of Hard Copies: 23 October 2026
• Engagement Period: 01 November 2026 to 31 October 2027

Vacancy Details

Total Vacancies: Not specified in the notification

Eligibility Criteria

Educational Qualification & Experience

Candidates must have retired honourably, either superannuated or through VRS, and must not have been awarded any punishment (major or minor) or chargesheeted for serious lapses/offences in active service. Officers must have retired as Scale III or above with a minimum experience of 15 years as an Officer in the bank with a satisfactory track record, including 3 years of experience in dealing with high value credit, project finance, consortium lending, foreign exchange portfolio at Branches or at controlling office/s or as Credit Auditor.

Must have adequate computer knowledge, ability to handle computers independently for online report punching, and familiarity with Finacle Core Banking Solution (CBS).

Other Eligibility Conditions

• 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 assignment of Credit Audit, 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.

Age Limit

Candidates must not be above the age of 65 years as on 01.09.2026.

Selection Process

The selection process details are not explicitly described in the official notification. Shortlisted candidates will be engaged on a contract basis for the specified period.

How to Apply for J&K Bank Credit Auditor Recruitment 2026

1. Visit the official bank website to access the application format.
2. Fill out the application form online within fourteen (14) days from the date of publication of the notification, i.e., by or before 22 October 2026.
3. Download the filled application form and print the hard copy.
4. Attach all duly filled annexures and required certificates, including the medical fitness certificate.
5. Send the hard copy of the application form by post or hand delivery to reach the office of the Deputy General Manager, S, C and Audit Division, J&K Bank Corporate Headquarters, M.A. Road, Srinagar 190001 by or before 23 October 2026.

Documents Required

• Downloaded application form
• Duly filled annexures
• Certificate from the 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)

Important Instructions

• Applications submitted online must be completed by or before 22 October 2026.
• Hard copies must reach the designated corporate headquarters office by or before 23 October 2026.
• The Bank reserves the right to reject any application without assigning any reason thereof.
• Retired officers must have retired honourably without any major or minor punishment or chargesheet for serious lapses during active service.
• Candidates must be independently capable of handling computers and Finacle CBS for online inspection report punching.

Frequently Asked Questions (FAQs)

Q1. What is J&K Bank Credit Auditor Recruitment 2026?

It is an engagement notification inviting retired officers from J&K Bank and other PSU banks to work as Credit Auditors for various branches across states and UTs in the country.

Q2. How many vacancies are available for J&K Bank Credit Auditor 2026?

The official notification does not specify the exact number of vacancies.

Q3. What is the last date to apply online for J&K Bank Credit Auditor?

The last date to submit online applications is 22 October 2026.

Q4. What is the last date for submitting hard copies of the application?

Hard copies of the downloaded application form along with duly filled annexures must reach the designated office by 23 October 2026.

Q5. What is the eligibility qualification for this recruitment?

Candidates must have retired honourably as Scale III or above with a minimum of 15 years of experience as an officer, including 3 years in high value credit, project finance, consortium lending, or foreign exchange portfolio.