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BA Continuum Team Member Interview Questions and Answers

Updated 25 Oct 2024

Q1. What you understand by investment banking?

Ans.

Investment banking involves providing financial advice and services to corporations, governments, and other institutions.

  • Investment banks help clients raise capital through underwriting and issuing securities.

  • They also provide advisory services for mergers and acquisitions, restructuring, and other financial transactions.

  • Investment bankers work closely with clients to understand their financial needs and develop customized solutions.

  • Examples of investment banks include Goldma...read more

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Q2. What do u understand by retail banking?

Ans.

Retail banking refers to the services provided by banks to individual customers, including deposit accounts, loans, and credit cards.

  • Retail banking focuses on serving individual customers rather than businesses or institutions.

  • It includes various financial products and services such as savings accounts, checking accounts, personal loans, mortgages, and credit cards.

  • Retail banks offer convenience and accessibility through branches, ATMs, online banking, and mobile apps.

  • They pr...read more

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Q3. What is a counterfeit check? How can you identify?

Ans.

A counterfeit check is a fake check that is not issued by a legitimate bank or financial institution.

  • Counterfeit checks often have misspelled words or incorrect information on them.

  • They may also have a different font or color than genuine checks.

  • The check may be made out for an unusual amount or have an unusual memo line.

  • The paper may feel different or have a different texture than real checks.

  • If you suspect a check is counterfeit, contact the issuing bank to verify its authe...read more

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Q4. What is fraud? How can you mitigate risk

Ans.

Fraud is a deliberate deception to secure unfair or unlawful gain. Risk can be mitigated by implementing strong internal controls.

  • Fraud can take many forms such as embezzlement, identity theft, and false billing.

  • To mitigate risk, companies can implement internal controls such as segregation of duties, regular audits, and background checks.

  • Training employees on fraud prevention and detection can also help mitigate risk.

  • In addition, companies can use technology such as fraud de...read more

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Q5. What are the rules of deposit

Ans.

Rules of deposit refer to guidelines and regulations set by financial institutions for depositing money into accounts.

  • Deposits must be made in accordance with the bank's operating hours.

  • Deposits may be subject to holds for verification purposes.

  • Deposits over a certain amount may require additional documentation.

  • Deposits made through ATMs may have different rules compared to in-person deposits.

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Q6. How to moderate the mortgage

Ans.

Moderating a mortgage involves adjusting terms to make payments more manageable for the borrower.

  • Negotiate with lender for lower interest rates or longer repayment period

  • Consider refinancing to lower monthly payments

  • Explore government assistance programs for mortgage relief

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Q7. Mortgage cycle of any loan

Ans.

The mortgage cycle of a loan refers to the process from application to closing and repayment.

  • Application: Borrower submits application and required documents.

  • Underwriting: Lender evaluates borrower's creditworthiness and property value.

  • Approval: Loan is approved or denied based on underwriting.

  • Closing: Borrower signs loan documents and funds are disbursed.

  • Repayment: Borrower makes monthly payments until loan is paid off.

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Interview Process at BA Continuum Team Member

based on 10 interviews
3 Interview rounds
Resume Shortlist Round
HR Round
One-on-one Round
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