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AU Small Finance Bank
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I applied via Referral and was interviewed in Jul 2024. There was 1 interview round.
I applied via Referral
Knowledge about work because i have previous experience
I applied via Walk-in and was interviewed in May 2023. There were 3 interview rounds.
Credit visit involves assessing customer income and cibil score to determine loan eligibility.
Credit visit involves meeting the customer in person to verify income and other financial details.
Assessing customer income involves reviewing pay stubs, bank statements, and tax returns.
Cibil score is a credit rating provided by Credit Information Bureau (India) Limited, indicating creditworthiness.
A loan can be prepared on a...
I applied via Walk-in and was interviewed before Sep 2022. There were 2 interview rounds.
Documents required for legal in builder cases include title deed, approved building plan, NOC from relevant authorities, sale agreement, etc.
Title deed showing ownership of the property
Approved building plan from local authorities
NOC (No Objection Certificate) from relevant authorities
Sale agreement between builder and buyer
Occupancy certificate if available
RERA stands for Real Estate (Regulation and Development) Act, which aims to regulate the real estate sector and protect the interests of homebuyers.
RERA was enacted in 2016 to bring transparency and accountability in the real estate sector.
It mandates the registration of real estate projects and real estate agents.
RERA also establishes state-level Real Estate Regulatory Authorities (RERAs) to oversee the sector.
The Act...
I look for collateral property that is valuable, easily marketable, and has a clear title.
Value of the property should be sufficient to cover the loan amount
Property should be easily marketable in case of default
Clear title ensures smooth transfer of ownership in case of foreclosure
AU Small Finance Bank interview questions for designations
I applied via Referral and was interviewed before Oct 2022. There were 3 interview rounds.
Financial and mortgage knowledge includes understanding of lending, credit analysis, risk assessment, interest rates, and loan products.
Understanding of lending practices and loan products
Knowledge of credit analysis and risk assessment
Familiarity with interest rates and how they impact mortgages
Awareness of mortgage underwriting guidelines and regulations
Ability to assess borrower's financial situation and determine l
That was really great interview, they asked me in which language you are comfort for interview and then asked me about last job role and so many things. After that they provide details of some cases to check how I will decision of those cases
I applied via Referral and was interviewed before Jul 2021. There were 2 interview rounds.
Credit analysis of secure and unsecured
I applied via Referral and was interviewed in Dec 2019. There were 3 interview rounds.
A 13-year legal search report is required in mortgage to ensure the property's legal status and minimize risks.
A 13-year legal search report provides a comprehensive overview of the property's legal history.
It helps identify any potential legal issues or encumbrances on the property.
Lenders require this report to assess the risk associated with the mortgage.
It ensures that the property has a clear title and is free fro...
Leasehold property is leased for a specific period while freehold property is owned indefinitely.
Leasehold property is leased for a specific period of time, usually decades.
Freehold property is owned indefinitely by the owner.
Leasehold property may require payment of ground rent to the freeholder.
Freehold property does not require payment of ground rent.
Leasehold property may have restrictions on alterations or use.
Fre...
Suit filed refers to a legal action taken by a plaintiff against a defendant in a court of law.
It is a formal legal complaint filed by a plaintiff against a defendant.
It initiates a civil lawsuit and sets the legal process in motion.
The plaintiff must provide evidence to support their claim.
The defendant has the opportunity to respond and defend themselves.
Examples include breach of contract, personal injury, and prope
Penal interest is an additional interest charged by lenders on overdue payments.
Penal interest is a penalty charged by lenders on overdue payments.
It is an additional interest rate that is added to the original interest rate.
The purpose of penal interest is to encourage borrowers to make timely payments.
Penal interest rates vary depending on the lender and the type of loan.
For example, credit card companies may charge ...
DPD, STD, SMA, LSS are different categories of overdue payments in CIBIL credit report.
DPD stands for Days Past Due and indicates the number of days a payment is overdue.
STD means Standard and indicates that the payment is being made on time.
SMA stands for Special Mention Account and indicates that the payment is overdue for 1-90 days.
LSS means Loss and indicates that the payment is overdue for more than 180 days and i
Ownership documents are legal papers that prove ownership of a property or asset.
Ownership documents can include deeds, titles, and certificates of ownership.
These documents are important for establishing ownership and transferring ownership to another party.
Examples of ownership documents include a car title, a property deed, and a stock certificate.
Ownership documents may also include information about any liens or m...
Audited financials are verified by an external auditor while unaudited financials are not.
Audited financials are reviewed and verified by an external auditor while unaudited financials are not.
Audited financials provide more credibility and assurance to stakeholders while unaudited financials may be viewed as less reliable.
Audited financials are required for publicly traded companies while privately held companies may ...
posted on 29 Mar 2024
I applied via Walk-in and was interviewed in Sep 2023. There was 1 interview round.
Some of the top questions asked at the AU Small Finance Bank Branch Credit Manager interview -
based on 8 interviews
2 Interview rounds
based on 34 reviews
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