Acuité Ratings & Research Credit Rating Analyst Interview Questions and Answers for Experienced

Q1. Market analysis? Ratios
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Q2. Market? Ratios Analysis
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Q3. Personal questions
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Q1. Recent economic updates, past work experience, banking ratios calculation,
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Aptitude test consisting of questions on financial ratios, costing, English grammar and some questions on Industry.

Q1. Personal questions, questions based on articleship experience, financial ratios and current affairs
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Q2. Go through your CV
Ans. 
I have experience in credit analysis and rating, with a strong background in financial analysis and risk assessment.
• Bachelor's degree in Finance with a focus on credit analysis

• Worked as a Credit Analyst at XYZ Bank for 2 years

• Conducted thorough financial statement analysis to assess creditworthiness

• Evaluated industry trends and market conditions to determine credit ratings

• Presented findings and recommendations to senio...read more
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Q3. What would you consider while rating any company?
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When rating a company, various factors are considered such as financial performance, industry outlook, management quality, and competitive position.
• Financial performance including profitability, liquidity, and leverage ratios

• Industry outlook and market conditions

• Management quality and track record

• Competitive position and market share

• Business strategy and diversification

• Corporate governance and transparency

• Macroeconomic...read more
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Q4. How to do stock audit?
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Stock audit involves verifying and validating the physical existence and accuracy of stock holdings.
• Conduct a physical count of stock items to ensure they match the recorded quantities.

• Compare the physical count with the stock records to identify any discrepancies.

• Inspect the condition and quality of the stock items.

• Review the stock valuation methods and ensure they are applied correctly.

• Check for proper documentation ...read more
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Q5. What is current ratio?
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Current ratio is a financial metric that measures a company's ability to pay its short-term liabilities with its short-term assets.
• Current ratio is calculated by dividing a company's current assets by its current liabilities.

• A higher current ratio indicates a better ability to cover short-term obligations.

• For example, if a company has $100,000 in current assets and $50,000 in current liabilities, its current ratio woul...read more
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Financial ratios related to profit and loss statement and balance sheet

Q1. Which debt coverage ratios will you consider for analyzing the company
Ans. 
The debt coverage ratios that I would consider for analyzing a company are the debt service coverage ratio (DSCR) and the interest coverage ratio (ICR).
• Debt service coverage ratio (DSCR) measures a company's ability to cover its debt obligations. It is calculated by dividing the company's operating income by its total debt service.

• Interest coverage ratio (ICR) measures a company's ability to cover its interest expenses...read more
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Q1. Why CARE, about previous experience
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Ratios, quantitative aptitude, GK

Q1. Ratios, important ratios to consider before giving a loan.
Ans. 
Key ratios to consider before giving a loan include debt-to-income ratio, loan-to-value ratio, and credit score.
• Debt-to-Income Ratio: This ratio compares a borrower's monthly debt payments to their gross monthly income. A lower ratio indicates a borrower is less risky.

• Loan-to-Value Ratio: This ratio compares the loan amount to the appraised value of the collateral. A lower ratio indicates a lower risk for the lender.

• Cr...read more
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Q1. Ratios, Ind as 115, 113, 116, dcf valuation, analtical questions
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Q1. Economics, financial management related questions
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Q1. Basic questions family background
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About financial analysis and credit analysis

Q1. Financial statements analysis and ratio analysis
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