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Bank of Maharashtra Credit Officer Interview Questions and Answers

Updated 22 Jul 2024

Bank of Maharashtra Credit Officer Interview Experiences

1 interview found

Interview experience
3
Average
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. RECENT DIRECTIONS BY RBI ON WILLFUL DEFAULTERS
  • Ans. 

    RBI has issued recent directions on willful defaulters to prevent loan defaults and improve credit discipline.

    • RBI has mandated banks to report all willful defaulters to Credit Information Companies (CICs).

    • The central bank has also directed banks to publish photographs of willful defaulters in newspapers.

    • RBI has set up a Central Repository of Information on Large Credits (CRILC) to track defaulters with exposure of Rs. ...

  • Answered by AI
  • Q2. MSME PRODUCTS OF BOM
  • Ans. 

    Bank of Maharashtra offers various MSME products to support small and medium enterprises.

    • BOM offers MSME loans for working capital, term loans, and project finance.

    • They provide customized financial solutions based on the needs of the MSME sector.

    • BOM also offers trade finance facilities like letter of credit and bank guarantees to MSMEs.

    • The bank has specific schemes like Stand-Up India and Mudra Yojana to support MSMEs.

    • ...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - TECHNICAL & ASKED A LOT OF DATA

Interview questions from similar companies

I applied via Other and was interviewed before Jan 2017. There were 4 interview rounds.

Interview Questionnaire 

4 Questions

  • Q1. HR executive Asking me my How was your experience in old company. and how handle client,how is process file punching. your comfort this job profile. you now current job profile.I have give satisfy answer...
  • Q2. I am asking about what is the job profile of the company , how study new file.
  • Q3. I am asking to HR Executive which salary make and how is increase salary appraisal wise or senior employees wise .
  • Q4. What is the timing daily work.

Interview Preparation Tips

Round: Resume Shortlist
Experience: Branch Manager Give One new file than asking me how handle this client and how punched this case.

General Tips: I think every job seekers perfect his profile. minimum 80% knowledge his job profile.He already study against new company. collect his history and information.Any question asking hime but he give answer them confidently. he confidence looking first impression. he look show is perfect executive they good impression. Job seeker complitly real situation tell him. example asking question when que. related discussion must do not west time HR executive.

Skills: dont take work pressure, Communication, Body Language, Problem Solving, Analytical Skills, Leadership, Presentation Skills, Time Management, Decision Making Skills
Duration: <1 week

I applied via Naukri.com and was interviewed before Nov 2019. There was 1 interview round.

Interview Questionnaire 

5 Questions

  • Q1. What is CIBIL and Full Form of CIBIL?
  • Q2. FOIR and IIR Description?
  • Ans. 

    FOIR and IIR are ratios used by lenders to assess the creditworthiness of borrowers.

    • FOIR stands for Fixed Obligation to Income Ratio and is calculated by dividing the borrower's fixed obligations (such as loan EMIs, rent, etc.) by their monthly income.

    • IIR stands for Installment to Income Ratio and is calculated by dividing the borrower's total loan installments by their monthly income.

    • Both ratios help lenders determine...

  • Answered by AI
  • Q3. How to conduct PD With Customer?
  • Q4. What is Credit 5cs?
  • Ans. 

    Credit 5Cs is a framework used by lenders to evaluate the creditworthiness of a borrower.

    • The 5Cs are Character, Capacity, Capital, Collateral, and Conditions.

    • Character refers to the borrower's reputation and credit history.

    • Capacity refers to the borrower's ability to repay the loan.

    • Capital refers to the borrower's assets and net worth.

    • Collateral refers to the assets that can be used as security for the loan.

    • Conditions ...

  • Answered by AI
  • Q5. Credit Related Many Questions I.e.like ITR,ABB and Legal Report

Interview Preparation Tips

Interview preparation tips for other job seekers - This interview was a technical one but was majorly a stress test. It lasted for about 45 Minutes. The interviewer wanted to test both my knowledge and communication skills. Most of the questions asked to me were related to Last Experience Company Credit Policy and Work curriculum i.e. Customer Profile, Credit Process, Credit Sanction related topics. He stressed a lot on the basics related to my Credit Work topic.Luckily I was able to answer most of the questions correctly. I tried to answer each question with examples and also used props on the table (like pens, paperweights, pen stands etc.) to explain my theories and Practice Experience.You need to stay calm and should apply presence of mind. Please go through the job description thoroughly word-by-word and recheck your resume to ensure that you are a best-fit for the position.

I applied via Walk-in and was interviewed before Jun 2020. There was 1 interview round.

Interview Questionnaire 

4 Questions

  • Q1. First impression with HR & Business Manager he check my body language family background etc its most important part your family background if you go there for interview than maintain your decorum simple s...
  • Q2. All company need hord working person so if you go in pvt sector mentally strong
  • Q3. If you go first time for interview and you selected in the company dont asked first for salary its go negative feedback
  • Q4. Check company policy work culture and customer service, its most important part in all companies, so dont rude with customer in any work presure

Interview Preparation Tips

Interview preparation tips for other job seekers - My advice to all freshers and experience person first where you go for interview check details all about the company second decent look maintain (formal ) for interview, dont see your watch in interview time, need simple smile on your face ,not tell any thing else other than topics

I applied via Walk-in and was interviewed before Jul 2021. 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 - Case Study 

10 complete through Assembly of God Church School

Interview Preparation Tips

Topics to prepare for Equitas Small Finance Bank Credit Officer interview:
  • Operations
  • Recruitment
Interview preparation tips for other job seekers - Work as a Credit officer in ESFB. Through phone call.

I applied via Referral and was interviewed in Jul 2019. There were 5 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. How I will do the pd and I could check the cibil and track. What question to ask from customer. What documents are required for processing the case for decision.

Interview Preparation Tips

Interview preparation tips for other job seekers - My interview is very good with Acm Sir. I satisfy to my boss with answers.
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(1 Question)

  • Q1. What is a bank, and what activities are typically conducted by banks?
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. Tell me about yourself.
  • Ans. 

    Experienced credit officer with a strong background in financial analysis and risk assessment.

    • Over 5 years of experience in credit analysis and underwriting

    • Proficient in evaluating financial statements and assessing creditworthiness

    • Strong attention to detail and ability to identify potential risks

    • Excellent communication skills in dealing with clients and colleagues

    • Proven track record of making sound credit decisions to

  • Answered by AI
  • Q2. How many experience you have and what's experience you have
  • Ans. 

    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 and compliance standards

  • Answered by AI
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed before Dec 2023. There was 1 interview round.

Round 1 - Discuss about work experience 

(2 Questions)

  • Q1. About work experience
  • Q2. About the income tax returns

Interview Preparation Tips

Interview preparation tips for other job seekers - It's good to be part of Equitas Family
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - HR 

(2 Questions)

  • Q1. Salary package previous company
  • Q2. 3.6lac

Bank of Maharashtra Interview FAQs

How many rounds are there in Bank of Maharashtra Credit Officer interview?
Bank of Maharashtra interview process usually has 1 rounds. The most common rounds in the Bank of Maharashtra interview process are One-on-one Round.
What are the top questions asked in Bank of Maharashtra Credit Officer interview?

Some of the top questions asked at the Bank of Maharashtra Credit Officer interview -

  1. RECENT DIRECTIONS BY RBI ON WILLFUL DEFAULT...read more
  2. MSME PRODUCTS OF ...read more

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Bank of Maharashtra Credit Officer Interview Process

based on 1 interview

Interview experience

3
  
Average
View more
Bank of Maharashtra Credit Officer Salary
based on 11 salaries
₹8 L/yr - ₹20 L/yr
268% more than the average Credit Officer Salary in India
View more details

Bank of Maharashtra Credit Officer Reviews and Ratings

based on 2 reviews

4.5/5

Rating in categories

4.5

Skill development

4.1

Work-life balance

4.5

Salary

4.7

Job security

4.4

Company culture

4.1

Promotions

4.1

Work satisfaction

Explore 2 Reviews and Ratings
Manager
212 salaries
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₹7.3 L/yr - ₹20 L/yr

Senior Manager
133 salaries
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₹11.6 L/yr - ₹32 L/yr

Deputy Manager
78 salaries
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₹5 L/yr - ₹12 L/yr

Branch Manager
76 salaries
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₹8 L/yr - ₹22 L/yr

Chief Manager
60 salaries
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₹14 L/yr - ₹40 L/yr

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