Avega Business Solutions Interview Questions and Answers

Underwriting. Personal Information

What is your full name, Social Security Number, and date of birth?

Are you a U.S. citizen or permanent resident?


Why they ask: To verify your identity and eligibility for a mortgage.

2. Income and Employment

What is your annual income?

Are you employed, self-employed, or retired?

How long have you been at your current job?


Why they ask: To ensure you have a steady income to repay the loan.

3. Credit History

What is your credit score?

Do you have any outstanding loans, credit card debt, or missed payments?

Have you ever declared bankruptcy or had a foreclosure?


Why they ask: To assess your ability and reliability to repay the loan.

4. Assets and Savings

How much money do you have in savings, investments, or retirement accounts?

Do you own any other properties or assets?


Why they ask: To confirm you have enough funds for a down payment, closing costs, and emergency reserves.

5. Property Details

What is the purchase price of the home?

Are you buying a primary residence, second home, or investment property?

What is the home’s address and type (e.g., single-family, condo)?


Why they ask: To evaluate the value and purpose of the property as collateral for the loan.

6. Debts and Expenses

What are your monthly expenses, including rent, utilities, and other bills?

Do you owe child support or alimony?


Why they ask: To calculate your debt-to-income (DTI) ratio and ensure you can afford the mortgage payments.

7. Down Payment

How much are you planning to put down as a down payment?

Are the funds coming from your savings or a gift?


Why they ask: To verify you have a sufficient down payment and its source is legitimate.

8. Insurance and Taxes

Do you have homeowners insurance lined up?

Are you aware of the property taxes in the area?

Q1. Previous Employment
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Q1. Questions related to backend and AWS.
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Q1. Question related to front end and database.
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Q1. Questions related to django and python.
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One python coding(easy) and django ORM queries

Q1. Some technical and about company.
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Q1. About company and some technical.
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Q1. Tell me about yourself?
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Q2. What is your skills?
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Q1. Tell me about selenium
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Selenium is a popular open-source automation testing tool used for web application testing.
• Selenium supports multiple programming languages such as Java, Python, C#, etc.

• It allows testers to write test scripts in a variety of formats like HTML, Java, C#, etc.

• Selenium can automate web browsers across different platforms like Windows, Mac, Linux, etc.
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Q2. Expalin java inheritance ana polymorphism
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Q3. WHich tool you have used
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I have used various tools such as Microsoft Excel, Google Analytics, and Adobe Photoshop.
• Microsoft Excel for data analysis and reporting

• Google Analytics for website traffic analysis

• Adobe Photoshop for graphic design
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Q1. Estimate number of burgers sold by one burger Outlet in your city.
Ans. 
The number of burgers sold by a burger outlet in a city can vary based on factors like location, menu offerings, pricing, and customer demand.
• Consider the population of the city and the popularity of the outlet.

• Analyze the outlet's menu offerings and pricing compared to competitors.

• Take into account any special promotions or events that may impact sales.

• Look at historical sales data if available.

• Interview employees or
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Q1. Estimate transportation cost for raw materials.
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Transportation cost for raw materials can be estimated based on distance, mode of transportation, quantity, and current market rates.
• Consider the distance between the supplier and the manufacturing facility

• Take into account the mode of transportation (road, rail, sea, air)

• Calculate the quantity of raw materials being transported

• Research current market rates for transportation services

• Factor in any additional costs such
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Q1. Asked about past experience
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Q2. Some guesstimate question
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Q1. WAY OF QUESTION TREND
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Question trends in customer service are constantly evolving based on customer needs and technological advancements.
• Stay updated on industry trends through research and training

• Adapt communication style to match current trends (e.g. chatbots, social media)

• Utilize data analytics to understand customer preferences and behavior

• Provide personalized and efficient service to meet evolving customer expectations
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Q2. REPLY MY WAY OF PERFECT ENGLISH
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Q3. ALL BESED ON COMPUTER WORKS IN NON VOICE PROCESS
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Q4. I FLEXIBLE IN DAY SHIFT
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Q5. MY EXPECT 25K SALARY
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Q1. How to run linear regression model in R
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To run a linear regression model in R, use the lm() function with the formula specifying the relationship between variables.
• Use the lm() function to fit a linear regression model, specifying the formula with the dependent and independent variables.

• For example, to predict sales based on advertising spend, use lm(sales ~ advertising, data = dataset).

• Use summary() to view the results of the linear regression model, includ...read more
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Q2. How to run linear regression model without intercept in R
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To run linear regression model without intercept in R, set the intercept parameter to 0
• Set the intercept parameter to 0 in the lm() function in R

• Example: lm(y ~ x - 1, data = dataset) will fit a linear regression model without intercept
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Q1. Securitisation and how it works.
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Securitisation is the process of pooling various types of debt and selling them as securities to investors.
• Securitisation involves bundling together various types of debt, such as mortgages, auto loans, or credit card debt.

• These debts are then sold to a special purpose vehicle (SPV) which issues securities backed by the cash flows from the underlying assets.

• Investors purchase these securities and receive payments based...read more
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Q2. Financial Ratios and how they work and what is a good number to have.
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Financial ratios are tools used to evaluate a company's financial performance and health.
• Financial ratios are calculated using data from a company's financial statements.

• They help investors and analysts assess a company's profitability, liquidity, efficiency, and solvency.

• A good number for a financial ratio can vary depending on the industry and company size.

• For example, a current ratio of 2 or higher is generally cons...read more
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Q3. Random number crunching based on some scenario that needs you to make assumptions and get an answer
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Q4. How an Excel function works. (Vlookup, Hlookup, Xlookup, IF/AND/OR)
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Excel functions like Vlookup, Hlookup, Xlookup, IF/AND/OR are used for data lookup and logical operations.
• Vlookup: Searches for a value in the first column of a table and returns a value in the same row from a specified column.

• Hlookup: Similar to Vlookup but searches for a value in the first row of a table.

• Xlookup: A more versatile version of Vlookup and Hlookup that can search both vertically and horizontally.

• IF: Retu...read more
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Q1. Personal Questions.
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Q2. My expertise and proficiency of excel
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Q1. No questions. Was confirmed my job
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