Baroda Global Shared Services Trade Finance Officer Interview Questions and Answers

Q1. About day to day work role at current company ?
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Q2. Questions on ratio analysis ?
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Q1. What is credit rating
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Credit rating is an evaluation of the creditworthiness of an individual or entity based on their financial history and ability to repay debts.
• Credit rating is a measure of the likelihood that a borrower will default on their debt obligations.

• It is assigned by credit rating agencies such as Standard & Poor's, Moody's, and Fitch.

• Credit ratings range from AAA (highest) to D (default).

• Higher credit ratings indicate lower r...read more
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Q2. How to determine risk
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Risk can be determined by analyzing financial statements, credit history, industry trends, and economic conditions.
• Analyze financial statements to assess liquidity, profitability, and leverage ratios

• Review credit history to evaluate past payment behavior and outstanding debts

• Consider industry trends and competitive landscape to understand external risks

• Assess economic conditions such as interest rates, inflation, and G
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Q1. Free cash flow, cash flow from operating activities, financials ratios, PD, LGD, etc Calculation of EBITDa
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Q2. Calculation of equity
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Equity is calculated by subtracting liabilities from assets.
• Equity represents the residual value of a company's assets after deducting liabilities.

• It is calculated by subtracting total liabilities from total assets.

• Equity can also be calculated as the sum of share capital and retained earnings.

• For example, if a company has total assets of $1 million and total liabilities of $500,000, its equity would be $500,000.

• Equity...read more
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Q3. Where do you see yourself 5 years down the line
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Q1. Tell me something about youself
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I am a detail-oriented and experienced Credit Manager with a strong background in financial analysis and risk assessment.
• I have X years of experience in credit management

• I am skilled in financial analysis and risk assessment

• I have a proven track record of reducing bad debt and improving cash flow

• I am detail-oriented and organized in my approach to credit management

• I have strong communication and negotiation skills
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Q1. About financial
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Q1. Questions related to cash flow statement, balance sheet and ratio analysis other technical terms are tangible networth, cash conversion cycle, impairment, minority interst.
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Q2. What is correlation between balance sheet and profit and loss account
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The balance sheet and profit and loss account are interrelated financial statements that provide a comprehensive view of a company's financial health.
• The balance sheet shows a company's assets, liabilities, and equity at a specific point in time, while the profit and loss account shows a company's revenues, expenses, and net income over a period of time.

• Changes in the balance sheet can impact the profit and loss accoun...read more
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Q1. About structured finance, general awareness
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Financial modeling using 3 statements

English, logical and analytical reasoning