P C CHANDRA JEWELLERS Interview Questions and Answers

Answers to questions related to Credit Analyst job profile and finance ratios.

• Minimum permissible banking finance is the minimum amount of loan that a bank can provide to a borrower.

• Credit Analyst job profile involves analyzing financial data to assess creditworthiness of individuals or companies.

• Current Ratio is a liquidity ratio that measures a company's ability to pay its short-term liabilities with its short-term assets.

• DSCR (Debt Service Coverage Ratio) is a financial ra...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

Maximum permissible Bank Finance is the maximum amount of loan a bank is willing to provide to a borrower based on their creditworthiness and financial situation.

• Maximum permissible Bank Finance is determined by the bank's assessment of the borrower's creditworthiness, financial stability, and ability to repay the loan.

• Factors such as the borrower's income, assets, liabilities, credit history, and industry trends are taken into consideration.

• The bank may also consider the pur...read more

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

I will assess the case by analyzing the financial statements, credit history, industry trends, and potential risks.

• Review the company's financial statements to assess its financial health and performance.

• Evaluate the credit history of the company to determine its repayment ability.

• Research industry trends and economic conditions that may impact the company's creditworthiness.

• Identify potential risks such as market volatility, competition, and regulatory changes.

• Consider the c...read more