Digamber Finance Relationship Officer Interview Questions and Answers

I am a dedicated and passionate Relationship Officer with a strong background in customer service and financial management.

• I have a Bachelor's degree in Business Administration

• I have over 5 years of experience in the banking industry

• I excel at building and maintaining relationships with clients

• I am skilled in financial analysis and risk assessment

I manage pressure by prioritizing tasks, staying organized, seeking support from colleagues, and taking breaks when needed.

• Prioritize tasks based on deadlines and importance

• Stay organized by creating to-do lists and setting realistic goals

• Seek support from colleagues or supervisors when feeling overwhelmed

• Take short breaks to recharge and refocus

Home loan sourcing involves understanding eligibility criteria, calculating loan eligibility, setting targets, and effectively countering client objections.

• Home loan sourcing involves finding potential customers who are interested in taking a loan to purchase a home.

• Eligibility calculation involves assessing the financial capability of the customer to repay the loan based on their income, credit history, and other fact...read more

Market value is the price at which an asset would trade in a competitive auction setting.

• Market value is determined by supply and demand

• It is influenced by factors such as economic conditions, competition, and consumer preferences

• Market value can fluctuate over time

• Examples include stock prices, real estate values, and commodity prices

Loan to value is the ratio of the loan amount to the appraised value of the property.

• It is used by lenders to determine the risk of a loan.

• A higher LTV ratio indicates a higher risk for the lender.

• Lenders typically have a maximum LTV ratio they are willing to lend.

• For example, if a property is appraised at $100,000 and the borrower wants a loan of $80,000, the LTV ratio is 80%.