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Axis Bank

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3.8

based on 24.5k Reviews

Proud winner of ABECA 2024 - AmbitionBox Employee Choice Awards

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Axis Bank Credit Officer Interview Questions and Answers

Updated 3 May 2024

Axis Bank Credit Officer Interview Experiences

4 interviews found

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Not Selected

I applied via Naukri.com and was interviewed in Apr 2024. There were 2 interview rounds.

Round 1 - One-on-one 

(2 Questions)

  • Q1. Basic hr and technical questions
  • Q2. What is lgd, pd
  • Ans. 

    LGD stands for Loss Given Default and PD stands for Probability of Default. They are key metrics used in credit risk assessment.

    • LGD (Loss Given Default) represents the percentage of a loan that is lost if the borrower defaults.

    • PD (Probability of Default) is the likelihood that a borrower will default on a loan within a given time frame.

    • Both LGD and PD are important factors in determining the overall credit risk of a bo...

  • Answered by AI
Round 2 - Group Discussion 

Football in india and how government can promote other games

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident and all the best

I applied via Referral and was interviewed in Mar 2022. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all tips
Round 2 - One-on-one 

(1 Question)

  • Q1. About current Job profile, LAP, KYC verification, CIBIL

Interview Preparation Tips

Interview preparation tips for other job seekers - Have sound knowledge about your currect job profile

Credit Officer Interview Questions Asked at Other Companies

Q1. How can you are calculate income if customer not filing the incom ... read more
asked in CSB Bank
Q2. How we can identify a bad loan proposal and a good loan proposal
Q3. What is CIBIL and Full Form of CIBIL?
Q4. Which one is eligible for housing and mortgage loan and other loa ... read more
asked in CSB Bank
Q5. What are the areas to be improved in the present banking system ( ... read more

Credit Officer Interview Questions & Answers

user image Nithin Prabu

posted on 24 Apr 2022

I applied via Referral

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all tips
Round 2 - HR 

(2 Questions)

  • Q1. Working experience,product knowledge
  • Q2. Years of experience specific product

Interview Preparation Tips

Interview preparation tips for other job seekers - Look before you leap, always prefer as u like

Interview Questionnaire 

1 Question

  • Q1. Why you chnge this job

Axis Bank interview questions for designations

 Credit Manager

 (12)

 Credit Analyst

 (8)

 Credit Underwriter

 (1)

 Credit Risk Analyst

 (1)

 Branch Credit Manager

 (1)

 Credit Processing Associate

 (1)

 Senior Manager Credit

 (1)

 Cluster Credit Manager

 (1)

Interview questions from similar companies

Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
No response

I applied via Referral and was interviewed in Oct 2024. There was 1 interview round.

Round 1 - Technical 

(2 Questions)

  • Q1. Tell me about yourself
  • Q2. What are your strengths and weaknesses

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident and clear with your thoughts
Interview experience
3
Average
Difficulty level
Hard
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Referral and was interviewed in Sep 2024. There were 2 interview rounds.

Round 1 - Aptitude Test 

Verbal and novarbal questions

Round 2 - HR 

(2 Questions)

  • Q1. About your self?
  • Q2. Tell about your previous experience?

Interview Preparation Tips

Topics to prepare for HDFC Bank Credit Officer interview:
  • Previous experience
Interview preparation tips for other job seekers - knowledge about your previous experience
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Aptitude Test 

IBPS takes test moderate to high

Round 2 - One-on-one 

(2 Questions)

  • Q1. Assessment of working capital
  • Ans. 

    Assessment of working capital involves analyzing a company's current assets and liabilities to determine its ability to meet short-term financial obligations.

    • Calculate working capital by subtracting current liabilities from current assets.

    • A positive working capital indicates the company has enough assets to cover its short-term debts.

    • A negative working capital may signal financial trouble and the need for additional fu...

  • Answered by AI
  • Q2. Why do you wan tot join banj

Interview Preparation Tips

Interview preparation tips for other job seekers - Easy , stay confident
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. Ratio Analysis CR DER DSCR ICR
  • Q2. SAM MSME Classification
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Company Website and was interviewed in Oct 2023. There was 1 interview round.

Round 1 - Case Study 

Study well about Financial like ITR , Audit report,3CB,3CD, P&L , B/S,GST3B, CAM PREPARATION,Kyc related, Basic LAP,HL Policy, mortgage lending,CIBIL,crif

Interview Preparation Tips

Topics to prepare for Kotak Mahindra Bank Credit Officer interview:
  • Financial Accounting
Interview preparation tips for other job seekers - Above

I was interviewed before Nov 2021.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all tips
Round 2 - Technical 

(2 Questions)

  • Q1. 1) Introduction Since i had mentioned forex in my resume many of the questions revolved around bill of entry, shipping bill lodgement and realization 2) question on BG, expiry and claim expiry 3) question...
  • Q2. What should be the mode of operation for an NRO account in which NRI is the first holder and spouse living in India is the second holder
  • Ans. 

    NRO account mode of operation for NRI first holder and spouse in India as second holder

    • The NRI should be the primary account holder

    • The spouse can be added as a joint account holder

    • The account can be operated jointly or severally

    • The account can be used for receiving income in India and abroad

    • The account can be used for making local payments in India

    • The account can be used for repatriation of funds abroad

  • Answered by AI
Round 3 - Technical 

(2 Questions)

  • Q1. Documents executed for a mortgage loan
  • Ans. 

    Documents required for a mortgage loan

    • Mortgage application form

    • Income proof (pay stubs, tax returns)

    • Credit report

    • Property appraisal report

    • Title report

    • Homeowner's insurance policy

    • Deed of trust or mortgage

    • Promissory note

  • Answered by AI
  • Q2. Questions related to hometown and latest developments in the zone

Interview Preparation Tips

Interview preparation tips for other job seekers - Be thorough with your own role. It helps to base your answers on your practical experience and narrate scenarios.

Axis Bank Interview FAQs

How many rounds are there in Axis Bank Credit Officer interview?
Axis Bank interview process usually has 2 rounds. The most common rounds in the Axis Bank interview process are Resume Shortlist, One-on-one Round and HR.
How to prepare for Axis Bank Credit Officer interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at Axis Bank. The most common topics and skills that interviewers at Axis Bank expect are Underwriting, Loans, Banking, Credit Risk and Management.

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People are getting interviews through

based on 3 Axis Bank interviews
Referral
Job Portal
67%
33%
Moderate Confidence
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Moderate Confidence means the data is based on a sufficient number of responses received from the candidates
Axis Bank Credit Officer Salary
based on 173 salaries
₹1.1 L/yr - ₹6.5 L/yr
At par with the average Credit Officer Salary in India
View more details

Axis Bank Credit Officer Reviews and Ratings

based on 36 reviews

4.1/5

Rating in categories

4.0

Skill development

3.8

Work-Life balance

3.8

Salary & Benefits

4.0

Job Security

3.9

Company culture

3.4

Promotions/Appraisal

3.8

Work Satisfaction

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