Canara Bank Credit Officer Interview Questions and Answers

Verbal and novarbal questions

Q1. About your self?
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Q2. Tell about your previous experience?
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Q1. Basic hr and technical questions
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Q2. What is lgd, pd
Ans. 
LGD stands for Loss Given Default and PD stands for Probability of Default. They are key metrics used in credit risk assessment.
• LGD (Loss Given Default) represents the percentage of a loan that is lost if the borrower defaults.

• PD (Probability of Default) is the likelihood that a borrower will default on a loan within a given time frame.

• Both LGD and PD are important factors in determining the overall credit risk of a bo...read more
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Football in india and how government can promote other games

Q1. Ratio Analysis CR DER DSCR ICR
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Q2. SAM MSME Classification
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Study well about Financial like ITR , Audit report,3CB,3CD, P&L , B/S,GST3B, CAM PREPARATION,Kyc related, Basic LAP,HL Policy, mortgage lending,CIBIL,crif

IBPS PO prelims conducted on an yearly basis

IBPS Mains exam after clearing prelims

Q1. Tell us something about yourself
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Q2. What are 5Cs of marketing
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The 5Cs of marketing are Customer, Company, Competitors, Collaborators, and Climate.
• Customer: Understanding the needs and preferences of the target market.

• Company: Analyzing the company's strengths and weaknesses in relation to the market.

• Competitors: Identifying and assessing the strengths and weaknesses of competitors.

• Collaborators: Building relationships with suppliers, distributors, and other partners.

• Climate: Cons...read more
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Q3. Questions on Budget and Economic Survey
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Q1. 1) Introduction Since i had mentioned forex in my resume many of the questions revolved around bill of entry, shipping bill lodgement and realization 2) question on BG, expiry and claim expiry 3) question...read more
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Q2. What should be the mode of operation for an NRO account in which NRI is the first holder and spouse living in India is the second holder
Ans. 
NRO account mode of operation for NRI first holder and spouse in India as second holder
• The NRI should be the primary account holder

• The spouse can be added as a joint account holder

• The account can be operated jointly or severally

• The account can be used for receiving income in India and abroad

• The account can be used for making local payments in India

• The account can be used for repatriation of funds abroad
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Q1. Documents executed for a mortgage loan
Ans. 
Documents required for a mortgage loan
• Mortgage application form

• Income proof (pay stubs, tax returns)

• Credit report

• Property appraisal report

• Title report

• Homeowner's insurance policy

• Deed of trust or mortgage

• Promissory note
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Q2. Questions related to hometown and latest developments in the zone
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Q1. Job profile what I was doing
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Q2. What is mpbf method
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MPBF method stands for Maximum Permissible Bank Finance method used to calculate the maximum amount of loan that can be sanctioned to a borrower.
• MPBF is calculated based on the borrower's working capital cycle, inventory holding period, receivables collection period, and payables deferral period.

• It is used by banks to determine the maximum amount of loan that can be sanctioned to a borrower.

• MPBF method helps in assessi...read more
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