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DCB Bank
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Floating rate and fixed rate are terms used in finance to describe the interest rate on a loan or investment that can change over time (floating rate) or remains constant (fixed rate).
Floating rate: interest rate that can change periodically based on a benchmark rate or index (e.g. LIBOR, prime rate)
Fixed rate: interest rate that remains constant throughout the life of the loan or investment
Floating rate loans are ofte...
Mortgage loan is a type of loan used to purchase a property, where the property itself serves as collateral.
Mortgage loans are long-term loans with repayment periods ranging from 15 to 30 years.
The interest rates on mortgage loans can be fixed or adjustable.
The amount of the loan is determined by the value of the property being purchased.
If the borrower fails to make payments, the lender can foreclose on the property.
M...
To appraise a loan of a flour mill, I will consider factors such as market demand, competition, financial statements, and collateral.
Assess the market demand for flour and the competition in the area
Review the financial statements of the flour mill to evaluate its profitability and cash flow
Evaluate the collateral being offered for the loan, such as the flour mill property and equipment
Consider the management team's ex...
I will check the financial stability, credit history, and payment behavior of the flour mill owner.
Check the credit score and credit history of the owner
Analyze the financial statements of the flour mill
Check the payment behavior of the owner with their suppliers and creditors
Assess the market reputation of the flour mill and its owner
Evaluate the industry trends and competition in the market
I applied via Naukri.com and was interviewed before Jan 2024. There were 2 interview rounds.
I have over 5 years of experience working as a Credit Manager in the banking industry.
Managed credit risk assessment for corporate clients
Developed and implemented credit policies and procedures
Analyzed financial statements and credit reports
Negotiated payment terms with clients
Led a team of credit analysts
I applied via Referral and was interviewed before Nov 2022. There were 2 interview rounds.
DCB Bank interview questions for designations
I applied via Referral and was interviewed in Dec 2021. There was 1 interview round.
A valuation report is a document that provides an assessment of the value of an asset or property.
Valuation reports are commonly used in real estate, finance, and investment industries.
They include detailed information about the asset being valued, such as its physical characteristics, market conditions, and comparable sales data.
Valuation reports are prepared by qualified professionals, such as appraisers or valuers, ...
I applied via Naukri.com and was interviewed in Oct 2021. There were 4 interview rounds.
I applied via Referral and was interviewed before May 2022. There were 2 interview rounds.
Top trending discussions
I was interviewed before Apr 2016.
Important clauses in 3CD for loan sanctioning
Clause 4 - Purpose of loan
Clause 5 - Amount of loan
Clause 6 - Repayment terms
Clause 7 - Security for loan
Clause 8 - Interest rate
Clause 9 - Default and consequences
Profit and loss ratios are financial metrics used to assess the profitability of a company.
Profit ratio measures the percentage of profit earned on sales.
Gross profit ratio is calculated by dividing gross profit by net sales.
Net profit ratio indicates the percentage of net profit earned on sales.
Operating profit ratio measures the profitability of core operations.
Return on investment (ROI) is a common profitability rat
Concurrent audit is conducted during the course of business operations, while statutory audit is conducted at the end of the financial year.
Concurrent audit is performed concurrently with the operations of the organization.
Statutory audit is conducted to ensure compliance with legal and regulatory requirements.
Concurrent audit helps in detecting and preventing frauds and errors in real-time.
Statutory audit provides an ...
No, someone earning less than EMI should not take a loan.
Taking a loan when earning less than the EMI can lead to financial strain and difficulty in repayment.
It is important to have a stable income that can comfortably cover the loan repayment.
If someone is already struggling to meet their financial obligations, taking on additional debt can worsen their situation.
It is advisable to explore alternative options such as...
I applied via Referral and was interviewed before Sep 2020. There were 3 interview rounds.
I applied via Referral and was interviewed before Nov 2020. There were 3 interview rounds.
based on 11 interviews
2 Interview rounds
based on 80 reviews
Rating in categories
Relationship Manager
828
salaries
| ₹0 L/yr - ₹0 L/yr |
Assistant Manager
595
salaries
| ₹0 L/yr - ₹0 L/yr |
Deputy Manager
404
salaries
| ₹0 L/yr - ₹0 L/yr |
Sales Manager
284
salaries
| ₹0 L/yr - ₹0 L/yr |
Customer Service Manager
246
salaries
| ₹0 L/yr - ₹0 L/yr |
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