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I applied via Naukri.com and was interviewed in Dec 2022. There were 4 interview rounds.
Handling HL and LAP products requires thorough knowledge of credit policies, risk assessment, and customer profiling.
Understand the credit policies and guidelines of the organization
Conduct a thorough risk assessment of the borrower and collateral
Profile the customer to understand their financial background and repayment capacity
Ensure timely disbursement and monitoring of the loan
Maintain regular communication with th...
Housing loan is for purchasing or constructing a house, while mortgage loan is secured by a property as collateral.
Housing loan is used for buying or building a house, while mortgage loan can be used for any purpose but is secured by a property as collateral.
Housing loan is typically for a longer term and has lower interest rates than mortgage loan.
Mortgage loan can be used to refinance an existing loan or to consolida...
Individuals with stable income, good credit score, and sufficient collateral are eligible for housing, mortgage, and other loans.
Stable income is a key factor in loan eligibility
Good credit score indicates creditworthiness and repayment capability
Sufficient collateral provides security to the lender
Other factors such as age, employment history, and debt-to-income ratio may also be considered
Examples of collateral inclu
Underwriting is the process of evaluating the risk of lending money to a borrower.
Underwriting involves analyzing the borrower's creditworthiness, financial history, and ability to repay the loan.
The underwriter also assesses the value of the collateral, if any, that the borrower is offering to secure the loan.
Based on this analysis, the underwriter decides whether to approve or deny the loan, and what terms and condit...
To calculate income for a customer not filing income tax return in business class, alternative methods can be used.
Review bank statements and financial records to identify income sources and patterns
Consider industry benchmarks and market research to estimate income
Assess the customer's assets, investments, and property ownership to determine potential income
Analyze the customer's business expenses and profit margins t...
The LTV ratio as per RBI norms varies based on the type of loan and collateral.
For home loans up to Rs. 75 lakh, the LTV ratio is 90%
For loans above Rs. 75 lakh, the LTV ratio is 80%
For loans against gold jewellery, the LTV ratio is 75%
For loans against fixed deposits, the LTV ratio is 90%
The LTV ratio is the ratio of the loan amount to the value of the collateral
RBI periodically reviews and revises the LTV ratio norms
PD for street shops can be conducted through a combination of on-site visits, financial analysis, and market research.
Conduct on-site visits to observe the shop's location, foot traffic, and overall appearance.
Analyze the shop's financial statements, including income statements and balance sheets.
Research the local market to understand competition and demand for the shop's products or services.
Consider the shop owner's...
The income of a Kirana shopkeeper can be accessed through various methods.
One can ask for the shop's financial statements and tax returns.
One can also observe the shop's daily sales and estimate the income.
Additionally, one can ask for references from suppliers or other business partners.
Finally, one can conduct a credit check to determine the shop's creditworthiness.
It is important to respect the shopkeeper's privacy
The income of a pandit can be calculated based on their profession and the services they provide.
Calculate the fees charged by the pandit for various services like performing puja, conducting rituals, etc.
Consider the number of clients the pandit serves in a month or year.
Take into account any additional income sources like teaching or writing books on Hinduism.
Compare the income with the average income of pandits in t...
CIBIL is a credit information company that maintains credit records of individuals and companies.
CIBIL stands for Credit Information Bureau (India) Limited.
It maintains credit records of individuals and companies, including their credit history, credit score, and creditworthiness.
The credit score ranges from 300 to 900, with a higher score indicating better creditworthiness.
Lenders use CIBIL reports to evaluate the cre...
The main thing in any valuation and technical report is accuracy.
Accuracy is crucial in any valuation and technical report.
The report should be based on reliable data and calculations.
The report should be free from errors and inconsistencies.
The report should be able to provide a clear and concise picture of the subject being evaluated.
For example, in a credit report, accuracy is important in determining the creditwort
The legal report mandatory for EM creation is the credit report.
The credit report is a detailed summary of an individual's credit history and financial behavior.
It includes information on credit accounts, payment history, outstanding debts, bankruptcies, and other financial data.
Lenders use credit reports to assess the creditworthiness of a borrower and determine the risk of lending money to them.
The credit report is m...
13 years flow is mandatory for any legal report to ensure accuracy and completeness of information.
The 13-year time frame is based on the statute of limitations for most legal claims.
It allows for a comprehensive review of the borrower's credit history and financial behavior.
It also helps to identify any patterns or trends in the borrower's creditworthiness.
Examples of legal reports that require a 13-year flow include ...
Incumbrance refers to a claim or lien on a property, while CERSAI is a central registry for security interests on movable assets.
Incumbrance can be in the form of a mortgage, a lien, or a charge on a property.
CERSAI stands for Central Registry of Securitisation Asset Reconstruction and Security Interest of India.
CERSAI is a government-owned company that maintains a central registry of security interests on movable asse...
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I applied via LinkedIn and was interviewed before Apr 2023. There was 1 interview round.
I applied via LinkedIn and was interviewed in Nov 2024. There were 4 interview rounds.
I applied via Walk-in and was interviewed in Sep 2021. There was 1 interview round.
posted on 28 Oct 2023
I applied via Recruitment Consulltant and was interviewed before Oct 2022. There were 2 interview rounds.
Working in sales involves building relationships, understanding customer needs, and effectively communicating the value of products or services.
Develop strong communication and interpersonal skills
Understand the product or service being sold
Identify and target potential customers
Build and maintain relationships with clients
Negotiate and close deals effectively
Track and analyze sales data to improve performance
To sell a product, understand customer needs, highlight product benefits, build rapport, overcome objections, and close the sale.
Understand customer needs by asking questions and actively listening
Highlight product benefits and unique selling points
Build rapport and establish trust with the customer
Overcome objections by addressing concerns and providing solutions
Close the sale by asking for the order or offering incen
posted on 1 Apr 2024
I applied via Walk-in and was interviewed before Apr 2023. There were 2 interview rounds.
I applied via Walk-in and was interviewed before Jun 2020. There was 1 interview round.
I applied via Walk-in and was interviewed in Oct 2023. There were 2 interview rounds.
I am available for an interview any day and time.
I am flexible and can accommodate any schedule for the interview.
I prioritize the opportunity to discuss my qualifications and experience.
I am eager to learn more about the sales officer position and how I can contribute to the team.
posted on 15 May 2023
I applied via Referral and was interviewed before May 2022. There were 4 interview rounds.
They gave assignement to prepare report with excel
One assignment that should present in PPT
Some of the top questions asked at the ESAF Small Finance Bank Credit Officer interview -
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