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Bank of Maharashtra Credit Officer Interview Questions and Answers
Bank of Maharashtra Credit Officer Interview Experiences
1 interview found
(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. ...
- 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.
...
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Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 19 Jan 2018
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
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
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 18 Nov 2020
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...
- 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 ...
- Q5. Credit Related Many Questions I.e.like ITR,ABB and Legal Report
Interview Preparation Tips
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
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 14 Jul 2022
I applied via Walk-in and was interviewed before Jul 2021. There were 2 interview rounds.
10 complete through Assembly of God Church School
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Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 11 Jan 2020
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
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 16 Feb 2024
Selected
I applied via Referral and was interviewed before Feb 2023. There was 1 interview round.
(5 Questions)
- Q1. What is cash flow analysis
- Ans.
Cash flow analysis is the process of evaluating the inflows and outflows of cash in a business to assess its financial health.
Cash flow analysis helps determine the ability of a business to generate cash and meet its financial obligations.
It involves examining the sources and uses of cash, including operating activities, investing activities, and financing activities.
Positive cash flow indicates that a business is gene...
- Q2. What process following in approval
- Ans.
The approval process involves several steps to assess the creditworthiness of the borrower.
Collect and review the borrower's financial information
Analyze the borrower's credit history and credit score
Assess the borrower's income and debt-to-income ratio
Evaluate the borrower's collateral or assets
Determine the loan amount, interest rate, and repayment terms
Conduct a risk assessment and make a decision on approval
Prepare...
- Q3. Work nature in current company
- Ans.
I work as a Credit Officer in a financial institution, where I assess and analyze creditworthiness of individuals and businesses.
Evaluate loan applications and determine the creditworthiness of borrowers
Analyze financial statements, credit reports, and other relevant documents
Assess risks associated with lending and make recommendations for loan approvals or rejections
Ensure compliance with lending policies and regulat...
- Q4. Your expected Ctc
- Ans.
I expect a competitive CTC based on my qualifications and experience.
I have a strong educational background and relevant work experience which makes me deserving of a competitive CTC.
I have researched the market rates for Credit Officers and have a realistic expectation.
I am open to negotiation and willing to consider other benefits apart from the CTC.
I believe my skills and contributions to the organization will justi
- Q5. Why you relieving your current job
Interview Preparation Tips
Cash flow analysis
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
sachin
posted on 23 Aug 2024
(1 Question)
- Q1. About credit knowledge
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 3 Jun 2024
(1 Question)
- Q1. What do uou know about equitas
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 20 Dec 2024
Selected
I applied via Job Fair and was interviewed before Dec 2023. There was 1 interview round.
(1 Question)
- Q1. Previous banking Norms
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Bank of Maharashtra Interview FAQs
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Bank of Maharashtra Interviews By Designations
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Bank of Maharashtra Credit Officer Interview Process
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Bank of Maharashtra Credit Officer Reviews and Ratings
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