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AU Small Finance Bank Assistant Credit Manager Interview Questions, Process, and Tips
Top AU Small Finance Bank Assistant Credit Manager Interview Questions and Answers
- Q1. What's operating cycle of a business and how to calculate operating cycle of a business?
- Q2. Important Ratio's which is used in credit and financial analysis ?
- Q3. What are the factors and points we need check while processing a Loan application
AU Small Finance Bank Assistant Credit Manager Interview Experiences
3 interviews found
I applied via Referral and was interviewed in Apr 2021. There were 6 interview rounds.
Interview Questionnaire
7 Questions
- Q1. 1) Tell me about yourself ?
- Q2. What a bank does?
- Ans.
A bank is a financial institution that provides various services such as accepting deposits, lending money, and facilitating financial transactions.
Accepts deposits from individuals and businesses
Lends money to individuals and businesses
Facilitates financial transactions such as wire transfers, bill payments, and issuing credit cards
Provides investment and wealth management services
Offers various types of accounts such...
- Q3. What's working capital and how its calculate?
- Ans.
Working capital is the amount of money a company has available to fund its day-to-day operations.
Working capital is calculated by subtracting current liabilities from current assets.
Current assets include cash, accounts receivable, and inventory.
Current liabilities include accounts payable, taxes owed, and short-term loans.
A positive working capital indicates that a company has enough funds to cover its short-term obli...
- Q4. What is DSCR and how to calculate?
- Ans.
DSCR stands for Debt Service Coverage Ratio. It is a financial metric used to assess a borrower's ability to repay debt.
DSCR is calculated by dividing the borrower's net operating income by their total debt service.
A DSCR of 1 or higher indicates that the borrower has enough income to cover their debt obligations.
A DSCR below 1 suggests that the borrower may struggle to meet their debt payments.
Lenders typically prefer...
- Q5. What's operating cycle of a business and how to calculate operating cycle of a business?
- Ans.
Operating cycle is the time it takes for a business to convert inventory into cash.
Operating cycle = Inventory conversion period + Receivables conversion period
Inventory conversion period = (Average inventory / Cost of goods sold) x 365
Receivables conversion period = (Average accounts receivable / Credit sales) x 365
Operating cycle helps in determining the efficiency of a business in managing its working capital
A short...
- Q6. Important Ratio's which is used in credit and financial analysis ?
- Ans.
Important ratios used in credit and financial analysis include debt-to-equity, current ratio, and gross profit margin.
Debt-to-equity ratio measures a company's leverage and financial risk
Current ratio measures a company's ability to pay its short-term debts
Gross profit margin measures a company's profitability
Other important ratios include return on equity, interest coverage, and inventory turnover
These ratios help ass...
- Q7. What are the factors and points we need check while processing a Loan application
- Ans.
Factors and points to check while processing a loan application
Credit score and history
Income and employment status
Debt-to-income ratio
Collateral
Purpose of the loan
Repayment plan
Credit report
Legal documentation
Interview Preparation Tips
2) when preparing for a bank interview always read the key terminology used in banks.
3) Go through the Financial and Ratio Analysis according to the profile for which you going for interview.
I applied via Naukri.com and was interviewed in Mar 2022. There were 2 interview rounds.
About my current job profile
Interview Preparation Tips
I was interviewed before Oct 2020.
Interview Questionnaire
6 Questions
- Q1. Cibil questions
- Q2. What do you ask to customer at personal Discussion
- Q3. Dairy Business, kirana business, rental business Margins
- Q4. Legal titles, property chain and other legal questions
- Q5. How to find Fraud cases
- Ans.
Fraud cases can be found by analyzing transaction patterns and conducting thorough investigations.
Analyze transaction patterns for any unusual activity
Conduct thorough investigations of suspicious transactions
Use fraud detection software to flag potential cases
Monitor customer behavior for any red flags
Stay up-to-date on industry trends and common fraud schemes
Collaborate with law enforcement and other financial instit...
- Q6. FI to be done by yourself, what to check at FI- field investigation
Interview Preparation Tips
What people are saying about AU Small Finance Bank
Interview questions from similar companies
Assistant Credit Manager Interview Questions & Answers
IDFC FIRST Bank
Anonymous
posted on 5 Apr 2022
Basic English Grammar & Language, Quants Section is quite challenging, Logical Section is slightly less difficult than what it is for SBI & RBI Preliminary exams.
(1 Question)
- Q1. Personal Introduction, Explanation of Resume in detail
Interview Preparation Tips
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 20 Dec 2024
Selected
I was interviewed in Nov 2024.
(5 Questions)
- Q1. What's your current experience
- Ans.
I have 5 years of experience in credit analysis and risk assessment in the banking industry.
5 years of experience in credit analysis and risk assessment
Proficient in financial statement analysis
Strong understanding of credit risk management
Experience in evaluating loan applications and determining creditworthiness
Familiarity with regulatory requirements in the banking sector
- Q2. Did you achieved any goal in previous platform.
- Ans.
Yes, I achieved a goal of increasing loan approval rate by 15% in my previous role.
Implemented new credit evaluation process to streamline decision-making
Provided training to team members on identifying creditworthy applicants
Collaborated with sales team to improve communication and documentation
Utilized data analytics to identify trends and make data-driven decisions
- Q3. Do you participate any bankingevents
- Ans.
Yes, I actively participate in banking events to stay updated on industry trends and network with professionals.
I regularly attend banking conferences and seminars to learn about new regulations and technologies in the industry.
I have participated in workshops on credit risk management and financial analysis to enhance my skills and knowledge.
I am a member of a banking association where I attend networking events to co
- Q4. Are you suitable for appliedrole.
- Ans.
Yes, I am suitable for the role of Credit Officer due to my strong financial background and experience in analyzing credit risk.
I have a degree in finance and have completed relevant courses in credit analysis.
I have previous experience working as a credit analyst, where I successfully assessed credit risk for various clients.
I am proficient in financial modeling and have a strong understanding of financial statements.
...
- Q5. Tell about Equitas bank
- Ans.
Equitas Small Finance Bank is a scheduled commercial bank in India focused on serving the financial needs of micro and small enterprises.
Equitas Small Finance Bank was established in 2007 as a microfinance institution before receiving a banking license in 2016.
The bank offers a range of financial products and services including savings accounts, fixed deposits, loans, and insurance.
Equitas Small Finance Bank has a stro...
Discuss about financial risk and management
Interview Preparation Tips
Selected
I applied via Approached by Company and was interviewed in Jul 2024. There was 1 interview round.
(5 Questions)
- Q1. What is the difference between OD and VC?
- Q2. How you determine drawing power?
- Q3. What is DLOD?
- Q4. What is Leverage ratio?
- Q5. Why do you what to switch job?
Credit Manager Interview Questions & Answers
Jana Small Finance Bank
kuldeep patil
posted on 15 Aug 2024
(2 Questions)
- Q1. Introduction and knowledge
- Q2. Credit Underwriting
(2 Questions)
- Q1. About your self
- Q2. Work experience
(2 Questions)
- Q1. RECENT DIRECTIONS BY RBI ON WILLFUL DEFAULTERS
- Ans.
RBI has issued recent directions on willful defaulters to prevent loan defaults and improve credit discipline.
RBI has mandated banks to report all willful defaulters to Credit Information Companies (CICs).
The central bank has also directed banks to publish photographs of willful defaulters in newspapers.
RBI has set up a Central Repository of Information on Large Credits (CRILC) to track defaulters with exposure of Rs. ...
- Q2. MSME PRODUCTS OF BOM
- Ans.
Bank of Maharashtra offers various MSME products to support small and medium enterprises.
BOM offers MSME loans for working capital, term loans, and project finance.
They provide customized financial solutions based on the needs of the MSME sector.
BOM also offers trade finance facilities like letter of credit and bank guarantees to MSMEs.
The bank has specific schemes like Stand-Up India and Mudra Yojana to support MSMEs.
...
Interview Preparation Tips
Area Credit Manager Interview Questions & Answers
Ujjivan Small Finance Bank
koushik roy
posted on 1 Jul 2024
(1 Question)
- Q1. About job experience
Interview Preparation Tips
AU Small Finance Bank Interview FAQs
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AU Small Finance Bank Assistant Credit Manager Reviews and Ratings
based on 43 reviews
Rating in categories
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Assistant Manager
1.1k
salaries
|  ₹1.8 L/yr - ₹7.1 L/yr |
|
Deputy Manager
971
salaries
| ₹1.9 L/yr - ₹9 L/yr |
|
Relationship Manager
727
salaries
| ₹2 L/yr - ₹9.8 L/yr |
|
Senior Executive
655
salaries
| ₹1.6 L/yr - ₹5.2 L/yr |
|
Manager
596
salaries
| ₹3.8 L/yr - ₹13.3 L/yr |
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