ANZ Banking Group Credit Analyst Interview Questions and Answers

Q1. Why do you want to join us?
Ans. 
I am impressed by your company's reputation for innovative solutions and strong team collaboration.
• I am drawn to your company's commitment to excellence in analytics

• I am excited about the opportunity to work with a talented team of analysts

• I believe my skills and experience align well with the challenges your company faces
Answered by AI
Add your answer
Q2. Where do you see yourself in five years?
Ans. 
In five years, I see myself as a senior analyst leading a team and making significant contributions to the company's growth.
• Leading a team of analysts

• Making significant contributions to company growth

• Continuing professional development and learning new skills

• Building strong relationships with colleagues and clients
Answered by AI
Add your answer

General topics on current budget

Q1. What is your name
Add your answer

Q1. Questions regarding articleship experience mentioned in resume
Add your answer

Q1. What are your salary expectations?
Add your answer
Q2. What is your family background?
Add your answer
Q3. Share details of your previous job.
Add your answer
Q4. Why should we hire you?
Add your answer
Q5. Why are you looking for a change?
Add your answer
Q6. Where do you see yourself in 5 years?
Add your answer
Q7. What are your strengths and weaknesses?
Add your answer
Q8. Tell me about yourself.
Add your answer

Very basic aptitude test post selection.

Q1. Previous working experiences
Add your answer

Q1. What is the difference between OD and VC?
Ans. 
OD stands for Overdraft while VC stands for Venture Capital.
• OD is a type of credit facility provided by banks to customers where they can withdraw more money than they have in their account, up to a certain limit.

• VC is a form of financing provided to early-stage companies that have the potential for high growth in exchange for equity ownership.

• OD is typically short-term and used for managing cash flow fluctuations, whi...read more
Answered by AI
Add your answer
Q2. How you determine drawing power?
Ans. 
Drawing power is determined by assessing the borrower's ability to access funds from their credit line.
• Evaluate the borrower's current outstanding balance on their credit line.

• Consider the borrower's credit limit and any restrictions on the line of credit.

• Assess the borrower's repayment history and creditworthiness.

• Calculate the difference between the credit limit and the outstanding balance to determine the drawing po...read more
Answered by AI
Add your answer
Q3. What is DLOD?
Ans. 
DLOD stands for Days Late on Delivery, a metric used to measure the number of days a delivery is late.
• DLOD is calculated by subtracting the actual delivery date from the scheduled delivery date.

• It helps assess the efficiency of a company's supply chain and logistics operations.

• For example, if a shipment was scheduled to be delivered on January 15th but arrived on January 20th, the DLOD would be 5 days.
Answered by AI
Add your answer
Q4. What is Leverage ratio?
Ans. 
Leverage ratio is a financial metric that measures the proportion of a company's debt to its equity.
• Leverage ratio is calculated by dividing total debt by total equity.

• It indicates the level of financial risk a company is taking by using debt to finance its operations.

• A high leverage ratio means a company has more debt relative to equity, which can be risky in times of economic downturn.

• A low leverage ratio indicates a...read more
Answered by AI
Add your answer
Q5. Why do you what to switch job?
Ans. 
Seeking new challenges and growth opportunities in a more dynamic environment.
• Looking for new challenges and opportunities for growth

• Interested in a more dynamic work environment

• Seeking to expand my skill set and knowledge in credit analysis
Answered by AI
Add your answer