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BNY Credit Risk Analyst Interview Questions and Answers
6 Interview questions
Global economic indicators suggest a possible recession.
Trade tensions between US and China have led to a slowdown in global trade.
Many countries are experiencing low economic growth rates.
Central banks are cutting interest rates to stimulate growth.
Inverted yield curves in bond markets indicate investor pessimism.
Political uncertainty, such as Brexit, is causing instability in markets.
Jet Airways
Jet Airways, once India's largest private airline, filed for bankruptcy in April 2019
The airline had accumulated a debt of over Rs 8,000 crore
Jet Airways had to ground all its flights and lay off thousands of employees
Hedge funds are pools of capital managed aggressively while private equity invests in private companies with the aim of improving their operations.
Hedge funds are more actively managed and use a variety of investment strategies to generate high returns.
Private equity firms invest in private companies with the aim of improving their operations and then selling them for a profit.
Hedge funds are typically open to a w...
Credit risk refers to the potential loss that a lender may face if a borrower fails to repay a loan or debt.
Credit risk is the risk of default on a loan or debt by a borrower.
It is the possibility of loss due to non-payment of interest or principal by the borrower.
Credit risk can be mitigated by assessing the creditworthiness of the borrower and setting appropriate terms and conditions.
Examples of credit risk incl...
What people are saying about BNY
Counterparty credit risk is the risk of loss due to a counterparty's failure to meet its financial obligations.
It is the risk that a counterparty will default on a financial obligation
It is a type of credit risk that arises from the potential that the counterparty will not fulfill its contractual obligations
It can be mitigated through credit analysis and risk management techniques
Examples include the risk of a bor...
Financial statements include balance sheet, income statement, and cash flow statement. Ratios include liquidity, profitability, and solvency ratios.
Balance sheet shows a company's assets, liabilities, and equity at a specific point in time
Income statement shows a company's revenue, expenses, and net income over a period of time
Cash flow statement shows a company's cash inflows and outflows over a period of time
Liq...
BNY Credit Risk Analyst Interview Experiences
2 interviews found
I applied via Company Website and was interviewed in Sep 2022. There were 2 interview rounds.
(6 Questions)
- Q1. Difference Between Hedge Funds & Private Equity
- Ans.
Hedge funds are pools of capital managed aggressively while private equity invests in private companies with the aim of improving their operations.
Hedge funds are more actively managed and use a variety of investment strategies to generate high returns.
Private equity firms invest in private companies with the aim of improving their operations and then selling them for a profit.
Hedge funds are typically open to a wider ...
- Q2. Why people around the world are anticipating a recession
- Ans.
Global economic indicators suggest a possible recession.
Trade tensions between US and China have led to a slowdown in global trade.
Many countries are experiencing low economic growth rates.
Central banks are cutting interest rates to stimulate growth.
Inverted yield curves in bond markets indicate investor pessimism.
Political uncertainty, such as Brexit, is causing instability in markets.
- Q3. Why did the 2007 Financial Crisis Happen
- Ans.
The 2007 Financial Crisis was caused by risky mortgage lending, financial derivatives, and inadequate regulatory oversight.
Subprime Mortgages: Lenders issued high-risk loans to borrowers with poor credit histories, leading to widespread defaults when housing prices fell.
Housing Bubble: Rapidly rising home prices created a bubble, which burst, causing significant losses for banks and investors.
Securitization: Financial ...
- Q4. Types of Financial Statements and Ratios
- Ans.
Financial statements include balance sheet, income statement, and cash flow statement. Ratios include liquidity, profitability, and solvency ratios.
Balance sheet shows a company's assets, liabilities, and equity at a specific point in time
Income statement shows a company's revenue, expenses, and net income over a period of time
Cash flow statement shows a company's cash inflows and outflows over a period of time
Liquidit...
- Q5. Name any one Indian company which went bankrupt recently
- Ans.
Jet Airways
Jet Airways, once India's largest private airline, filed for bankruptcy in April 2019
The airline had accumulated a debt of over Rs 8,000 crore
Jet Airways had to ground all its flights and lay off thousands of employees
- Q6. About my current Job Profile
Interview Preparation Tips
I applied via Company Website and was interviewed before Nov 2019. There were 3 interview rounds.
Interview Questionnaire
2 Questions
- Q1. What is credit risk?
- Ans.
Credit risk refers to the potential loss that a lender may face if a borrower fails to repay a loan or debt.
Credit risk is the risk of default on a loan or debt by a borrower.
It is the possibility of loss due to non-payment of interest or principal by the borrower.
Credit risk can be mitigated by assessing the creditworthiness of the borrower and setting appropriate terms and conditions.
Examples of credit risk include d...
- Q2. What is counterparty credit risk
- Ans.
Counterparty credit risk is the risk of loss due to a counterparty's failure to meet its financial obligations.
It is the risk that a counterparty will default on a financial obligation
It is a type of credit risk that arises from the potential that the counterparty will not fulfill its contractual obligations
It can be mitigated through credit analysis and risk management techniques
Examples include the risk of a borrower...
Interview Preparation Tips
Interview questions from similar companies
Credit Risk Analyst Interview Questions & Answers
JPMorgan Chase & Co.
Anonymous
posted on 28 Aug 2015
Interview Preparation Tips
Experience: There was a GD based on a case study.
Round: technical interview
Experience: The interview was based mainly on resume. They asked one question on Econometrics and one question on Microeconomics apart from the resume description. From resume they asked mainly about the projects and internships. Overall it was a great experience for a first job interview.
General Tips: Do’s and Don’ts :
1. Take 4-5 printouts of your resume before going for interview. Have a notepad and a pen with you in a folder along with the resume prints.
2. Don’t be frustrated. Always remember that there is a company meant for you. Now, it is possible that it may come on day 1 or day 7 or even later. Always keep faith and believe in yourself.
3. If you are placed and some of your friends are still in the process, support them and do help them in preparation. Moral support is very important in tough times. Don’t go home immediately once you are placed but stay here for a few extra days. This would mean a lot to them.
4. Sleep well during the placement season. You should sleep for at least 5-6 hours.
College Name: IIT Kanpur
(2 Questions)
- Q1. Tell me about yourself?
- Ans.
I am a detail-oriented Credit Risk Analyst with a strong background in financial analysis and risk assessment.
I have a Bachelor's degree in Finance and several years of experience in the banking industry.
I am skilled in analyzing credit reports, assessing financial statements, and identifying potential risks.
I have a proven track record of making sound credit decisions and implementing risk mitigation strategies.
I am p...
- Q2. Tell me about different classes of assets
- Ans.
Different classes of assets include fixed assets, current assets, intangible assets, and financial assets.
Fixed assets: Tangible assets like property, plant, and equipment
Current assets: Liquid assets like cash, accounts receivable, and inventory
Intangible assets: Non-physical assets like patents, trademarks, and goodwill
Financial assets: Investments like stocks, bonds, and derivatives
What people are saying about BNY
Selected
I applied via Campus Placement and was interviewed before May 2022. There were 3 interview rounds.
(1 Question)
- Q1. If you are asked for advise whether to set a telecom plant in a rural area, on what parameters will you give your judgement
- Ans. Literacy rate of that villages, population demographics, how many people use mobiles, competitor presence, etc
(2 Questions)
- Q1. About previous job role
- Q2. Key contributions in earlier job
- Ans.
Developed and implemented credit risk models to improve loan portfolio quality.
Developed and implemented credit risk models to assess the creditworthiness of borrowers.
Conducted data analysis to identify trends and patterns in loan performance.
Collaborated with cross-functional teams to develop risk management strategies.
Provided recommendations to senior management on credit risk policies and procedures.
Improved loan ...
Interview Preparation Tips
I applied via Indeed and was interviewed in Oct 2024. There was 1 interview round.
(2 Questions)
- Q1. Introduction about yourself
- Q2. Some technical questions
Interview Preparation Tips
Wells Fargo has been so worst in recent days, they offer manager and lead roles just based on experience internally with Zero subject knowledge and no proper English.
And I felt, I have wasted my valuable time for an interview
Selected
I applied via Recruitment Consulltant and was interviewed before Feb 2022. There were 3 interview rounds.
(1 Question)
- Q1. General questions about current role and CTC
(1 Question)
- Q1. What is your typical day at office?
- Ans.
As a Credit Risk Analyst, my typical day at the office involves analyzing financial data, assessing creditworthiness, and making recommendations to minimize credit risk.
Reviewing and analyzing financial statements and credit reports
Assessing the creditworthiness of individuals and businesses
Evaluating loan applications and determining appropriate credit limits
Monitoring and managing existing credit exposures
Identifying...
Interview Preparation Tips
It is important to highlight the matching aspects of your current role with the JD. This shows your experience as well as preparedness for the interview.
Be ready for counter questions.
Selected
I applied via Referral and was interviewed before Apr 2023. There were 2 interview rounds.
(1 Question)
- Q1. What is the business model of Amex? (open loop vs close loop)
- Ans.
Amex operates on an open loop business model.
Amex operates as a payment network that partners with various merchants and banks to process transactions.
Open loop systems allow for transactions to be made at a wide range of merchants, both online and offline.
Examples of open loop systems include Visa, Mastercard, and Discover.
(1 Question)
- Q1. Why Amex? Why should I make you an offer now? Airline fraud risk - what factors would you look at?
I applied via Referral and was interviewed before Nov 2020. There were 3 interview rounds.
Interview Questionnaire
2 Questions
- Q1. What is bond?
- Ans.
A bond is a debt security that represents a loan made by an investor to a borrower.
Bonds are issued by corporations, municipalities, and governments to raise capital.
They have a fixed interest rate and a maturity date when the principal is repaid.
Bonds are generally considered less risky than stocks but offer lower potential returns.
Investors can buy and sell bonds on the secondary market.
Examples of bonds include U.S....
- Q2. What is Fund Accounting?
- Ans.
Fund Accounting is a specialized accounting system used by non-profit organizations and government agencies to track and manage funds.
It involves tracking and reporting on the financial activity of specific funds or grants.
It ensures that funds are used for their intended purposes and that financial reports are accurate and transparent.
Examples include tracking donations to a non-profit organization or managing governm...
Interview Preparation Tips
Senior Associate Interview Questions & Answers
State Street Corporation
Anonymous
posted on 6 Nov 2019
I applied via Referral and was interviewed in May 2019. There were 3 interview rounds.
Interview Questionnaire
1 Question
- Q1. Basic questions on investment banking operations and the IT department associate with that. Since I was hired for governance team I was asked about some data related queries.
Interview Preparation Tips
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