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Credit assessment involves analyzing applicant's cash flow and repayment intentions through various methods.
Types of credit assessment include credit reports, financial statements, and credit scoring models.
Methods to evaluate applicant cash flow include analyzing income sources, expenses, and debt obligations.
To assess repayment intentions, lenders may consider credit history, employment stability, and willingness to ...
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posted on 12 Jul 2020
I applied via Naukri.com and was interviewed in Jan 2020. There were 4 interview rounds.
As a Credit Manager, my previous key role was overseeing the creditworthiness of customers and managing the credit risk for the company.
Evaluated and analyzed the creditworthiness of potential customers
Established credit limits and terms for customers based on their financial stability
Monitored and managed the credit risk exposure of the company
Implemented credit control measures to minimize bad debt
Worked closely with...
I applied via Referral and was interviewed in Feb 2021. There was 1 interview round.
SMA stands for Special Mention Account, STD stands for Sub-Standard Account, and DPD stands for Days Past Due.
SMA is a classification for accounts that have potential weaknesses and require close monitoring.
STD is a classification for accounts that have well-defined weaknesses and are considered to be non-performing.
DPD is a measure of how many days a payment is overdue.
These terms are commonly used in credit managemen
NPA declaration refers to the classification of a loan as a non-performing asset.
NPA is declared when a borrower fails to make repayments for a certain period of time.
The classification of NPA is done based on the number of days the repayment is overdue.
NPA classification has a negative impact on the credit score of the borrower and the lender's balance sheet.
Banks and financial institutions are required to make provis...
Mortgage requires several documents for approval.
Proof of income
Credit report
Property appraisal
Title report
Homeowner's insurance
Tax returns
Bank statements
The process flow for unsecured loan involves several steps from application to disbursement.
The borrower submits an application with personal and financial information.
The lender evaluates the borrower's creditworthiness and risk profile.
If approved, the lender offers a loan amount and terms.
The borrower accepts the offer and signs the loan agreement.
The lender disburses the loan amount to the borrower's account.
The bo...
HL LAP stands for Hypothecation of Loans and Advances against Property. BL stands for Bill of Lading.
HL LAP is a type of loan where the borrower hypothecates their property to secure the loan.
BL is a document issued by a carrier to acknowledge receipt of goods for shipment.
HL LAP is commonly used in mortgage loans, while BL is used in international trade for goods transportation.
I applied via Naukri.com and was interviewed before Sep 2022. There were 2 interview rounds.
posted on 29 Mar 2024
Policy and share experience
posted on 30 Nov 2022
I applied via LinkedIn and was interviewed in May 2022. There were 3 interview rounds.
Case study of Credit appraisal for various business income analysis.
Verification of property documents involves checking LSR and TSR.
Check the authenticity of the documents by verifying the signatures and stamps.
Ensure that the documents are not forged or tampered with.
Verify the Land Survey Report (LSR) to confirm the boundaries and measurements of the property.
Check the Town Survey Report (TSR) to confirm the land use and zoning regulations.
Consult with legal experts to ensure that a
Customer income can be evaluated through various methods.
One can ask for pay stubs or tax returns to verify income.
Credit reports can also provide information on income.
Bank statements can show regular deposits and income sources.
One can also use industry benchmarks to estimate income based on job title and location.
It's important to consider other factors such as debt-to-income ratio and employment stability.
posted on 31 Dec 2022
I applied via Naukri.com and was interviewed in Jul 2022. There were 2 interview rounds.
Underwriting is the process of evaluating the risk of a loan or investment and determining if it meets the lender's criteria.
Underwriting involves analyzing financial statements, credit reports, and other relevant information to determine the borrower's ability to repay the loan.
The underwriter also assesses the value of the collateral and the overall market conditions.
Examples of underwriting include mortgage underwri...
Assessing income of SENP segment
Analyze income sources such as salary, investments, and rental income
Consider debt-to-income ratio and credit history
Look at demographic data and economic trends in the area
Use financial statements and tax returns to verify income
Compare income to expenses and debt obligations
The three pillars of loan eligibility are credit score, income, and collateral.
Credit score: A good credit score indicates a borrower's ability to repay the loan.
Income: Sufficient income is necessary to ensure timely loan repayments.
Collateral: Providing collateral reduces the risk for the lender and increases loan eligibility.
Example: A person with a high credit score, stable income, and valuable collateral has a hig
Technical reports should contain accurate and detailed information about a specific topic.
Technical reports should have a clear and concise title
The report should have an introduction that outlines the purpose and scope of the report
The report should contain accurate and detailed information about the topic
The report should have a conclusion that summarizes the findings and recommendations
The report should be well-orga...
To check legal report, obtain a copy from relevant authority and review for any legal issues. Incumbrance refers to any legal claims on property.
Obtain a copy of the legal report from relevant authority
Review the report for any legal issues such as pending lawsuits or liens
Incumbrance refers to any legal claims on property such as mortgages or unpaid taxes
Partnership deed is mandatory for a partnership firm
Partnership deed is a legal document that outlines the terms and conditions of the partnership
It includes details such as the name of the firm, the names of the partners, their capital contributions, profit sharing ratio, etc.
It is important to have a partnership deed to avoid any disputes or misunderstandings between the partners
It is also required for registration o...
posted on 14 Aug 2023
I applied via Approached by Company and was interviewed in Jul 2023. There were 3 interview rounds.
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