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Crisil Credit Analyst Interview Questions and Answers
6 Interview questions
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 lo...
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 cov...
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 li...
Tranches are portions of debt securities that are divided based on risk and return characteristics.
Tranches are used in structured finance to divide a pool of assets into different risk and return categories.
Each tranche has a different level of seniority, with the most senior tranche having the highest priority for repayment.
Tranches can be rated by credit rating agencies based on their creditworthiness.
Investors...
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 envi...
Operating lease is a short-term lease where the lessor retains ownership of the asset, while finance lease is a long-term lease where the lessee assumes ownership.
Operating lease is typically used for assets with a shorter useful life, while finance lease is used for assets with a longer useful life.
In an operating lease, the lessor is responsible for maintenance and repairs, while in a finance lease, the lessee i...
Crisil Credit Analyst Interview Experiences
16 interviews found
Anonymous
Selected
I applied via Campus Placement
Easy to Moderate questions mostly LR, QA and verbal
(1 Question)
- Q1. Fiscal Policy, Monetary Policy, Golden Rules of Accounting, Fixed Income Markets
(1 Question)
- Q1. GST, GDP, Microeconomics and Macroeconomics
(1 Question)
- Q1. Behavioural questions
(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...
- 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...
Selected
I appeared for an interview in Dec 2024, where I was asked the following questions.
- Q1. Fundamental analysis - Ratio analysis
- Q2. Macro economics
Selected
I appeared for an interview in Aug 2024.
(1 Question)
- Q1. About structured finance, general awareness
Financial modeling using 3 statements
English, logical and analytical reasoning
Selected
I appeared for an interview before Apr 2024, where I was asked the following questions.
- Q1. Questions on Finance Analysis
- Q2. Questions on macroeconomics
Selected
I appeared for an interview before Jan 2024.
English language, quantitative aptitude, logical reasoning, and data interpretaion
(2 Questions)
- Q1. CV related questions
- Q2. General knowledge of finance and economics
(1 Question)
- Q1. General discussion
Dhirubhai Ambani
Finance, economics and quants based test
(1 Question)
- Q1. Question about market
(1 Question)
- Q1. Sector performance, financial statements
I applied via Company Website and was interviewed before Jul 2023. There were 2 interview rounds.
(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...
(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...
- 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...
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Crisil Interview FAQs
The duration of Crisil Credit Analyst interview process can vary, but typically it takes about less than 2 weeks to complete.
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Crisil Interviews By Designations
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Crisil Credit Analyst Reviews and Ratings
based on 66 reviews
Rating in categories
|
Research Analyst
1k
salaries
|  ₹8.4 L/yr - ₹15 L/yr |
|
Senior Research Analyst
861
salaries
| ₹11.2 L/yr - ₹20 L/yr |
|
Analyst
533
salaries
| ₹6 L/yr - ₹12 L/yr |
|
Credit Analyst
470
salaries
| ₹9 L/yr - ₹16 L/yr |
|
Manager
467
salaries
| ₹19.1 L/yr - ₹34.1 L/yr |
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