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ANZ Banking Group Credit Analyst Interview Questions and Answers

Updated 6 May 2024

ANZ Banking Group Credit Analyst Interview Experiences

2 interviews found

Interview experience
5
Excellent
Difficulty level
Hard
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed before Apr 2023. There were 4 interview rounds.

Round 1 - Aptitude Test 

Australian Payslip Analysis

Round 2 - Group Discussion 

English Language proficiency check

Round 3 - One-on-one 

(5 Questions)

  • Q1. Role play of a Loan officer
  • Ans. 

    As a loan officer, I would assess the creditworthiness of applicants and make decisions on loan approvals.

    • Review applicant's credit history, income, and debt-to-income ratio

    • Evaluate collateral if applicable

    • Consider the purpose of the loan and the applicant's ability to repay

    • Communicate loan terms and conditions to the applicant

    • Make a decision on loan approval or denial

  • Answered by AI
  • Q2. Financial statement’s Analysis
  • Q3. Background analysis includes hobbies, interest area, book reading
  • Q4. Questions pertaining to candidate Resume
  • Q5. Mortgage Loans Related Knowledge
Round 4 - Case Study 

Email writing pertaining to a customer problem

Interview Preparation Tips

Topics to prepare for ANZ Banking Group Credit Analyst interview:
  • Financial Statement Analysis
  • Mortgage Loans
Interview preparation tips for other job seekers - Don’t get nervous, give clear and precise answers.
Make it a friendly conversation during the interview.
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed before May 2023. There were 4 interview rounds.

Round 1 - Aptitude Test 

A simple aptitude test to understand analytical skills of the candidate

Round 2 - Group Discussion 

Well monitored discussions

Round 3 - One-on-one 

(1 Question)

  • Q1. Majorly risk related topics were asked
Round 4 - HR 

(1 Question)

  • Q1. Questions asked to understand the mentality of the candidate and if we are inline with their principles.

Interview Preparation Tips

Interview preparation tips for other job seekers - Have basic grip on risk management

Credit Analyst Interview Questions Asked at Other Companies

asked in Axis Bank
Q1. 1. what is minimum permissible banking finance 2. what do you kno ... read more
Q2. Importance of EBITDA and FCF. How to derive FCF from EBITDA?
Q3. How you check the repayment capacity of applicant?
Q4. What is the difference between Hypothecation and pledge?
Q5. What is correlation between balance sheet and profit and loss acc ... read more

Interview questions from similar companies

I applied via Referral and was interviewed before Dec 2019. There was 1 interview round.

Interview Questionnaire 

3 Questions

  • Q1. What products would you process with Axis Bank .?
  • Ans. 

    Axis Bank offers a range of products for processing including loans, credit cards, savings accounts, and investment options.

    • Loans such as personal loans, home loans, and car loans

    • Credit cards with various rewards and benefits

    • Savings accounts with competitive interest rates

    • Investment options such as mutual funds and fixed deposits

  • Answered by AI
  • Q2. How do you deal with your customers.?
  • Q3. Wht are the details of Business you would collect.?
  • Ans. 

    As a Credit Analyst, I would collect details about the business to assess its creditworthiness.

    • Business financial statements (income statement, balance sheet, cash flow statement)

    • Credit history and payment behavior

    • Industry trends and market conditions

    • Management team and their experience

    • Collateral and assets

    • Legal and regulatory compliance

    • Customer base and revenue streams

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - It's a nice opportunity to met with Assessment process

I applied via Referral and was interviewed in Dec 2020. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Technical part of your related profile like in my case they asked me how you’ll fund a salary employee and similar question related to business

Interview Preparation Tips

Interview preparation tips for other job seekers - Just be yourself and answer whatever you know and be confident
Interview experience
3
Average
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Not Selected

I applied via Recruitment Consulltant and was interviewed in Aug 2024. There was 1 interview round.

Round 1 - HR 

(2 Questions)

  • 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
  • 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

Interview Preparation Tips

Interview preparation tips for other job seekers - nothing
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Group Discussion 

General topics on current budget

Round 2 - HR 

(1 Question)

  • Q1. What is your name

Interview Preparation Tips

Interview preparation tips for other job seekers - Just learn as much as you can
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed before Apr 2023. There was 1 interview round.

Round 1 - One-on-one 

(1 Question)

  • Q1. Questions regarding articleship experience mentioned in resume
Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - HR 

(8 Questions)

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

Interview Preparation Tips

Interview preparation tips for other job seekers - Do consistently trying, one day definitely you win
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
4-6 weeks
Result
Selected Selected

I applied via Recruitment Consulltant and was interviewed in Apr 2023. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all Resume tips
Round 2 - Aptitude Test 

Very basic aptitude test post selection.

Round 3 - Round 1 and 2 

(1 Question)

  • Q1. Previous working experiences

Interview Preparation Tips

Interview preparation tips for other job seekers - Very basic interview was done.
I interviewed for the role of Credit Analyst.
First round was with my immediate manager - the interview was all bout my previous work profile and I was asked about my understanding of the role and responsibilities
Second round was with the RH, it was a very simple and basic round. No technical questions asked.
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Approached by Company and was interviewed in Jul 2024. There was 1 interview round.

Round 1 - One-on-one 

(5 Questions)

  • 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...

  • Answered by AI
  • 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...

  • Answered by AI
  • 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
  • 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...

  • Answered by AI
  • 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
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ANZ Banking Group Interview FAQs

How many rounds are there in ANZ Banking Group Credit Analyst interview?
ANZ Banking Group interview process usually has 4 rounds. The most common rounds in the ANZ Banking Group interview process are Aptitude Test, Group Discussion and One-on-one Round.
How to prepare for ANZ Banking Group Credit Analyst interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at ANZ Banking Group. The most common topics and skills that interviewers at ANZ Banking Group expect are Credit Analysis, Banking Operations, Communication Skills, Credit Underwriting and Customer Centric.
What are the top questions asked in ANZ Banking Group Credit Analyst interview?

Some of the top questions asked at the ANZ Banking Group Credit Analyst interview -

  1. Role play of a Loan offi...read more
  2. Questions asked to understand the mentality of the candidate and if we are inli...read more
  3. Mortgage Loans Related Knowle...read more

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ANZ Banking Group Credit Analyst Interview Process

based on 2 interviews

Interview experience

4.5
  
Good
View more
ANZ Banking Group Credit Analyst Salary
based on 61 salaries
₹4.8 L/yr - ₹13 L/yr
16% more than the average Credit Analyst Salary in India
View more details

ANZ Banking Group Credit Analyst Reviews and Ratings

based on 8 reviews

4.1/5

Rating in categories

3.8

Skill development

4.1

Work-life balance

3.7

Salary

4.0

Job security

3.9

Company culture

4.0

Promotions

3.7

Work satisfaction

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