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CareEdge Ratings Credit Analyst Interview Questions and Answers

Updated 10 Apr 2024

CareEdge Ratings Credit Analyst Interview Experiences

2 interviews found

Interview experience
3
Average
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Not Selected

I applied via Campus Placement and was interviewed in Oct 2023. There were 3 interview rounds.

Round 1 - Aptitude Test 

Finance and accounting concept based aptitude

Round 2 - Technical 

(1 Question)

  • Q1. Questions on core Finance concepts like DCF valuation, Financial Derivatives, Stock Market etc
Round 3 - HR 

(1 Question)

  • Q1. Basic hygiene questions like tell me about yourself and what is your career goal

Credit Analyst Interview Questions & Answers

user image PRIYANSHI AGGARWAL

posted on 19 Nov 2022

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all Resume tips
Round 2 - Aptitude Test 

Finance and English test was given

Round 3 - Aptitude Test 

Psychometric and speed based test was given

Round 4 - One-on-one 

(2 Questions)

  • Q1. 1.What are Liquidity ratios? 2.What all are the Financial statement components? 3.What are the current economic trends ? 4. What comes under current assets ?
  • Ans. 

    Answers to questions related to Credit Analyst position.

    • Liquidity ratios measure a company's ability to meet short-term obligations.

    • Financial statement components include income statement, balance sheet, and cash flow statement.

    • Current economic trends may include inflation, interest rates, and GDP growth.

    • Current assets include cash, accounts receivable, inventory, and prepaid expenses.

  • Answered by AI
  • Q2. What are the components of Financial statements?
  • Ans. 

    Financial statements have three main components: balance sheet, income statement, and cash flow statement.

    • Balance sheet shows the company's assets, liabilities, and equity at a specific point in time.

    • Income statement shows the company's revenue, expenses, and net income over a period of time.

    • Cash flow statement shows the company's cash inflows and outflows over a period of time.

    • Other components may include footnotes, m...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - You should know finance and economic trends and your resume

Credit Analyst Interview Questions Asked at Other Companies

asked in Axis Bank
Q1. 1. what is minimum permissible banking finance 2. what do you kno ... read more
Q2. Importance of EBITDA and FCF. How to derive FCF from EBITDA?
Q3. How you check the repayment capacity of applicant?
Q4. What is the difference between Hypothecation and pledge?
Q5. What is correlation between balance sheet and profit and loss acc ... read more

Interview questions from similar companies

Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. Probability question
  • Q2. Financial mathematic questions
Round 2 - One-on-one 

(2 Questions)

  • Q1. CV related question
  • Q2. Behavior related question
Round 3 - HR 

(2 Questions)

  • Q1. Behavior question
  • Q2. Why you want to join the company

Interview Preparation Tips

Interview preparation tips for other job seekers - prepare for stochastic calculaus
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

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

Round 1 - One-on-one 

(2 Questions)

  • Q1. Valuation techniques
  • Ans. 

    Valuation techniques are methods used to determine the value of a company or asset.

    • Common valuation techniques include discounted cash flow (DCF), comparable company analysis, and precedent transactions analysis.

    • DCF involves estimating the future cash flows of a company and discounting them back to present value.

    • Comparable company analysis involves comparing the financial metrics of a target company to similar publicly...

  • Answered by AI
  • Q2. Fcf calculation

Interview Preparation Tips

Interview preparation tips for other job seekers - Focus on fundamentals
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. What is credit rating
  • Ans. 

    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...

  • Answered by AI
  • Q2. How to determine risk
  • Ans. 

    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

  • Answered by AI
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

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

Round 1 - One-on-one 

(1 Question)

  • Q1. Detailed math related questions
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed before Apr 2023. There was 1 interview round.

Round 1 - Technical 

(2 Questions)

  • Q1. Tell me something about yourself,
  • Q2. Global markets products questions

Interview Preparation Tips

Interview preparation tips for other job seekers - Just maintain the presence of mind
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
Selected Selected

I applied via Walk-in and was interviewed before May 2023. There were 2 interview rounds.

Round 1 - Aptitude Test 

Qa, logical reasoning, verbal reasoning, finance basics

Round 2 - One-on-one 

(1 Question)

  • Q1. About investment banking, cv finance related questions
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via LinkedIn and was interviewed in Feb 2024. There were 3 interview rounds.

Round 1 - Aptitude Test 

1 hour test of general aptitude questions

Round 2 - Coding Test 

Skills of Python,R,SQL

Round 3 - HR 

(1 Question)

  • Q1. Normal queries, mainstream questions

Interview Preparation Tips

Interview preparation tips for other job seekers - Can go for routine prep and perform well
Interview experience
4
Good
Difficulty level
Hard
Process Duration
More than 8 weeks
Result
No response

I applied via Company Website and was interviewed before Jul 2023. There were 2 interview rounds.

Round 1 - Technical 

(2 Questions)

  • Q1. Short introduction about you ?
  • Q2. What are three statements ?
  • Ans. 

    Three financial statements used by companies to assess their financial performance.

    • Income Statement: Shows a company's revenues, expenses, and profits over a specific period of time.

    • Balance Sheet: Provides a snapshot of a company's financial position at a specific point in time, showing assets, liabilities, and equity.

    • Cash Flow Statement: Details the cash inflows and outflows of a company, helping to assess its liquidi

  • Answered by AI
Round 2 - Technical 

(2 Questions)

  • Q1. 5 Cs of credit analysis
  • Ans. 

    The 5 Cs of credit analysis are character, capacity, capital, collateral, and conditions.

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

    • Capacity assesses the borrower's ability to repay the loan based on income and existing debts.

    • Capital looks at the borrower's assets and net worth.

    • Collateral is the property or assets that can be used as security for the loan.

    • Conditions consider the economic environme

  • Answered by AI
  • Q2. What is Covenant ?
  • Ans. 

    Covenant is a financial agreement between a borrower and a lender that outlines the terms and conditions of a loan.

    • Covenants are designed to protect the lender by ensuring the borrower meets certain financial ratios or performance metrics.

    • There are two main types of covenants: affirmative covenants (requirements the borrower must meet) and negative covenants (restrictions on the borrower's actions).

    • Examples of covenant...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Prepare properly what is written in JD with every detail. Good luck
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CareEdge Ratings Interview FAQs

How many rounds are there in CareEdge Ratings Credit Analyst interview?
CareEdge Ratings interview process usually has 3-4 rounds. The most common rounds in the CareEdge Ratings interview process are Aptitude Test, HR and Resume Shortlist.
How to prepare for CareEdge Ratings Credit Analyst interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at CareEdge Ratings. The most common topics and skills that interviewers at CareEdge Ratings expect are Credit Analysis, Corporate Finance, Credit Rating, Credit Research and Credit Risk.
What are the top questions asked in CareEdge Ratings Credit Analyst interview?

Some of the top questions asked at the CareEdge Ratings Credit Analyst interview -

  1. 1.What are Liquidity ratios? 2.What all are the Financial statement components?...read more
  2. What are the components of Financial statemen...read more
  3. Questions on core Finance concepts like DCF valuation, Financial Derivatives, S...read more

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CareEdge Ratings Credit Analyst Interview Process

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Interview experience

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Average
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CareEdge Ratings Credit Analyst Salary
based on 100 salaries
₹5.5 L/yr - ₹20.7 L/yr
39% more than the average Credit Analyst Salary in India
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