Citicorp Credit Risk Analyst Interview Questions and Answers

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...read more

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

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 ...read more

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.

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...read more

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

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.

Yes, I am currently working in operations.

• I am currently responsible for overseeing daily operations within the organization.

• I ensure smooth functioning of processes and procedures to meet business objectives.

• I collaborate with various departments to streamline operations and improve efficiency.

• I analyze data and metrics to identify areas for improvement and implement solutions.

• I have experience in managing operational

Sales pressure can be managed by setting realistic targets, providing support to the team, and fostering a positive work environment.

• Set realistic sales targets based on market trends and team capabilities

• Provide regular training and support to help the team meet their targets

• Create a positive work environment by recognizing and rewarding achievements

• Encourage open communication and feedback to address any issues or co...read more