ANZ Banking Group Credit Assessment Officer Interview Questions and Answers for Freshers

Leverage is the use of borrowed funds to increase potential returns on an investment.

• Leverage involves borrowing money to invest in an asset with the hope of earning a higher return than the cost of borrowing.

• It amplifies both gains and losses, so it can increase potential profits but also increase risk.

• Examples of leverage include using a mortgage to buy a house or using margin to buy stocks.

• Leverage is commonly used ...read more

I would gather sales data and installed capacity information of the customers to analyze their creditworthiness.

• I would request sales data from the customers to understand their revenue generation.

• I would also gather information on their installed capacity to assess their production capabilities.

• This data would help me determine their creditworthiness and ability to repay loans.

• For example, if a customer has high sales...read more

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

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