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The balance sheet is a financial statement that provides a snapshot of a company's financial position at a specific point in time.
The balance sheet consists of three main sections: assets, liabilities, and equity.
Assets are what the company owns, such as cash, inventory, and property.
Liabilities are what the company owes, such as loans, accounts payable, and bonds.
Equity represents the company's net worth, calculated a...
The income statement shows a company's revenues, expenses, and profits over a specific period of time.
Start with total revenue, which includes sales, services, and other sources of income
Subtract cost of goods sold to calculate gross profit
Then deduct operating expenses such as salaries, rent, and utilities to get operating income
Finally, subtract taxes and interest expenses to arrive at net income
Example: Revenue - Co...
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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 Referral and was interviewed in Oct 2024. There was 1 interview round.
I applied via Naukri.com and was interviewed in Dec 2024. There were 2 interview rounds.
Maths and reasoning questions
I was interviewed in Jul 2024.
Reasoning, logical, and mathematical skills.
I applied via Referral and was interviewed in Sep 2024. There were 2 interview rounds.
Verbal and novarbal questions
posted on 15 Aug 2024
posted on 18 Oct 2023
I applied via Naukri.com and was interviewed in Sep 2023. There were 3 interview rounds.
English writing - formal and informal
Yes
Yes, I have previous experience as a team lead in my previous role.
As a team lead, I was responsible for managing a team of credit analysts and overseeing their work.
I provided guidance and support to team members, ensuring that they met their targets and maintained high-quality standards.
I also collaborated with other departments to streamline processes and improve efficiency.
For example, I implemented a new credit...
Credit related questions
Market strategy business development
Business penetration Maintain
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 ...
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