ANZ Banking Group Senior Credit Assessment Officer Interview Questions and Answers

Q1. Briefly describe 4 C's of credit
Ans. 
The 4 C's of credit are character, capacity, capital, and collateral.
• Character refers to the borrower's credit history and reputation for repaying debts.

• Capacity assesses the borrower's ability to repay the loan based on income and existing debts.

• Capital evaluates the borrower's financial reserves and assets.

• Collateral is the borrower's assets that can be used as security for the loan.
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Q1. Mostly situational questions, case study on behavioral questions
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Q1. What aspects would you consider while evaluating creditworthiness of a borrower
Ans. 
Factors considered include financial history, income stability, debt-to-income ratio, credit score, and collateral.
• Financial history of the borrower

• Income stability and source of income

• Debt-to-income ratio

• Credit score of the borrower

• Collateral provided by the borrower
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Written Test on maths, english and logical reasoning.

Q1. Interview with Manager
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Q2. Field related questions
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Q3. Clear with calculations
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