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I applied via Naukri.com and was interviewed before Jun 2022. There were 3 interview rounds.
Loans process involves application, approval, disbursement, and repayment.
Application: Borrower submits application with required documents.
Approval: Lender reviews application, credit history, and financials.
Disbursement: Once approved, funds are disbursed to borrower.
Repayment: Borrower makes scheduled payments with interest.
Example: A borrower applies for a mortgage loan, lender approves based on credit score, funds...
Loan pricing is determined based on various factors such as creditworthiness, market conditions, and loan term.
Loan pricing is influenced by the borrower's credit score and financial history.
Market conditions, such as interest rates and economic outlook, also impact loan pricing.
The term of the loan, including the length of repayment and type of interest rate (fixed or variable), plays a role in pricing.
Lenders may als...
Syndication of loans involves multiple lenders coming together to fund a single loan.
Syndication allows for spreading the risk among multiple lenders.
It can help in funding large loans that may be too risky for a single lender to take on.
Syndicated loans are common in corporate finance and real estate.
Lenders may join syndicates to gain exposure to different industries or regions.
I applied via Naukri.com
SQL Triggers are special stored procedures that are automatically executed in response to certain events.
Triggers are used to enforce business rules or to perform complex calculations.
Syntax: CREATE TRIGGER trigger_name {BEFORE | AFTER} {INSERT | UPDATE | DELETE} ON table_name FOR EACH ROW {trigger_body}
Trigger_body can contain SQL statements or calls to stored procedures/functions.
Triggers can be disabled or enabled u...
DCF valuation method is a financial model used to estimate the value of a commercial real estate property based on its future cash flows.
DCF stands for Discounted Cash Flow
It involves projecting future cash flows of the property and discounting them back to their present value
The discount rate used is typically the property's weighted average cost of capital (WACC)
The final value obtained is the net present value (NPV)...
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I applied via Referral and was interviewed before May 2020. There were 4 interview rounds.
posted on 4 Sep 2022
DSCR stands for Debt Service Coverage Ratio and RoCE stands for Return on Capital Employed.
DSCR is a financial ratio used to measure a company's ability to pay its debts.
It is calculated by dividing the company's net operating income by its total debt service.
A DSCR of 1 or higher indicates that the company is generating enough income to cover its debt obligations.
RoCE is a financial ratio used to measure a company's e...
Credit worthiness refers to a borrower's ability to repay a loan. Working capital management is the process of managing a company's short-term assets and liabilities.
Credit worthiness is determined by factors such as credit score, income, and debt-to-income ratio.
Lenders use credit worthiness to assess the risk of lending money to a borrower.
Working capital management involves managing a company's cash, inventory, and ...
The location and expected CTC will depend on the specific job opening.
The location will be determined by the company's needs and may vary depending on the job opening.
The expected CTC will also depend on the job opening and the candidate's qualifications.
It is best to discuss specific location and salary details during the interview process.
posted on 19 Nov 2022
Finance and English test was given
Psychometric and speed based test was given
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.
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...
I applied via Campus Placement and was interviewed in Oct 2023. There were 3 interview rounds.
Finance and accounting concept based aptitude
Math , gk, english
AI
I applied via Referral and was interviewed before May 2020. There were 3 interview rounds.
Credit analysis involves evaluating the creditworthiness of a borrower to determine the likelihood of repayment.
Gather financial information about the borrower, including income, assets, and liabilities
Assess the borrower's credit history and credit score
Analyze the borrower's debt-to-income ratio and other financial ratios
Consider external factors such as economic conditions and industry trends
Make a recommendation on...
Assessing business risk involves evaluating various parameters.
Financial stability and performance
Market competition and trends
Regulatory compliance and legal issues
Management team and corporate governance
Industry and macroeconomic factors
Brand reputation and customer satisfaction
Supply chain and operational risks
posted on 6 Jan 2022
I applied via Referral and was interviewed in May 2022. There was 1 interview round.
based on 1 interview
Interview experience
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6-10 Yrs
₹ 6-19.7 LPA
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