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I applied via Naukri.com and was interviewed before Dec 2018. There were 2 interview rounds.
To assess risk in the field, credit officers can use various methods such as conducting on-site visits, analyzing financial statements, and evaluating market conditions.
Conduct on-site visits to assess the borrower's business operations and evaluate the quality of assets.
Analyze financial statements to understand the borrower's financial health, debt levels, and repayment capacity.
Evaluate market conditions and industr...
I applied via Recruitment Consultant and was interviewed in Jun 2019. There were 3 interview rounds.
Analyzing customer income without banking & IT papers
Look for alternative sources of income verification such as tax returns, pay stubs, or employment contracts
Consider conducting interviews with the customer's employer or references to verify income
Analyze the customer's spending habits and lifestyle to assess their income level
Review the customer's credit history and financial statements for any indications of income
...
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posted on 31 Jul 2024
I have experience working in various roles in the financial industry, including as a credit analyst and loan processor.
Worked as a credit analyst at XYZ Bank, analyzing credit reports and financial statements
Processed loan applications and conducted risk assessments at ABC Credit Union
Collaborated with underwriters and loan officers to ensure timely and accurate processing of loan applications
Group discussion with senior
I applied via Company Website and was interviewed in May 2024. There was 1 interview round.
I applied via Recruitment Consulltant
FOIR can be settled by ensuring the borrower's total fixed obligations do not exceed a certain percentage of their income.
Calculate the borrower's total fixed obligations, including existing loan EMIs, rent, and other fixed expenses.
Calculate the borrower's income, including salary, rental income, and any other sources of income.
Divide the total fixed obligations by the borrower's income to get the FOIR.
Ensure the FOIR...
The work of the credit team is to provide loan after doing income analytics after studying the case and whether EMI can be given to the customer and my work in case study is to find out by doing local inquiry whether the customer is showing fake business or not and in sales, I keep getting to know what is the problem in the case
posted on 15 Dec 2023
I applied via Referral and was interviewed in Nov 2023. There were 4 interview rounds.
posted on 7 Jun 2024
based on 22 reviews
Rating in categories
Branch Credit Officer
162
salaries
| ₹2.2 L/yr - ₹3.7 L/yr |
Branch Manager
159
salaries
| ₹3.5 L/yr - ₹7.4 L/yr |
Credit Officer
151
salaries
| ₹2.2 L/yr - ₹4 L/yr |
Loan Advisor
133
salaries
| ₹1.8 L/yr - ₹3.5 L/yr |
Collection Officer
128
salaries
| ₹1.9 L/yr - ₹3.7 L/yr |
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