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posted on 20 Dec 2024
I was interviewed in Nov 2024.
I have 5 years of experience in credit analysis and risk assessment in the banking industry.
5 years of experience in credit analysis and risk assessment
Proficient in financial statement analysis
Strong understanding of credit risk management
Experience in evaluating loan applications and determining creditworthiness
Familiarity with regulatory requirements in the banking sector
Yes, I achieved a goal of increasing loan approval rate by 15% in my previous role.
Implemented new credit evaluation process to streamline decision-making
Provided training to team members on identifying creditworthy applicants
Collaborated with sales team to improve communication and documentation
Utilized data analytics to identify trends and make data-driven decisions
Yes, I actively participate in banking events to stay updated on industry trends and network with professionals.
I regularly attend banking conferences and seminars to learn about new regulations and technologies in the industry.
I have participated in workshops on credit risk management and financial analysis to enhance my skills and knowledge.
I am a member of a banking association where I attend networking events to co
Yes, I am suitable for the role of Credit Officer due to my strong financial background and experience in analyzing credit risk.
I have a degree in finance and have completed relevant courses in credit analysis.
I have previous experience working as a credit analyst, where I successfully assessed credit risk for various clients.
I am proficient in financial modeling and have a strong understanding of financial statements.
...
Equitas Small Finance Bank is a scheduled commercial bank in India focused on serving the financial needs of micro and small enterprises.
Equitas Small Finance Bank was established in 2007 as a microfinance institution before receiving a banking license in 2016.
The bank offers a range of financial products and services including savings accounts, fixed deposits, loans, and insurance.
Equitas Small Finance Bank has a stro...
Discuss about financial risk and management
I applied via Naukri.com and was interviewed in Dec 2024. There were 2 interview rounds.
Maths and reasoning questions
Floating rate and fixed rate are terms used in finance to describe the interest rate on a loan or investment that can change over time (floating rate) or remains constant (fixed rate).
Floating rate: interest rate that can change periodically based on a benchmark rate or index (e.g. LIBOR, prime rate)
Fixed rate: interest rate that remains constant throughout the life of the loan or investment
Floating rate loans are ofte...
To analyze a company for a term loan, consider factors like cash flow, debt service coverage ratio (DSCR), financial statements, industry trends, and management quality.
Examine the company's financial statements to assess its profitability, liquidity, and leverage.
Calculate the debt service coverage ratio (DSCR) to determine if the company generates enough cash flow to cover its debt obligations.
Evaluate the company's ...
I applied via Campus Placement and was interviewed in Jan 2021. There were 4 interview rounds.
posted on 20 Dec 2024
I applied via Referral and was interviewed in Nov 2024. There were 3 interview rounds.
I have 5 years of experience working as a Credit Officer in a commercial bank.
Managed credit applications and approvals for small to medium-sized businesses
Analyzed financial statements and credit reports to assess risk
Negotiated terms and conditions with clients to ensure timely repayment
Collaborated with other departments to resolve credit-related issues
Stayed up-to-date on industry regulations and best practices
Assistant Manager
105
salaries
| ₹1.8 L/yr - ₹11.7 L/yr |
Manager
78
salaries
| ₹4.7 L/yr - ₹16.6 L/yr |
Deputy Manager
40
salaries
| ₹3.5 L/yr - ₹9 L/yr |
Clerk
34
salaries
| ₹0.8 L/yr - ₹7.5 L/yr |
Senior Manager
33
salaries
| ₹8 L/yr - ₹30 L/yr |
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