SMFG India Credit Credit Officer Interview Questions and Answers for Experienced

Q1. Basic questions, Why ru lefting this job?
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Q2. What kind of challenges face and achievements?
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Q1. Why man power services considered as a coution profile
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Q2. GST TO is high but banking EOD balances are very poor, will you go ahead and why?
Ans. 
No, high GST TO does not necessarily indicate good financial health if banking EOD balances are poor.
• High GST TO could be due to high sales but poor collection of receivables

• Poor banking EOD balances could indicate cash flow issues or mismanagement of funds

• Further investigation into the reasons behind poor EOD balances is necessary before making a decision
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Q3. In last 12M dpds are there will you go ahead
Ans. 
I would review the dpds from the last 12 months to assess the credit risk and make informed decisions.
• Reviewing the dpds from the last 12 months helps in understanding the credit risk associated with customers.

• Analyzing the trends in dpds can provide insights into the financial health of the customers.

• Taking proactive measures based on the dpds data can help in minimizing credit losses.

• Using the dpds data to adjust cre...read more
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Q4. What parameters are you checking in banking
Ans. 
Parameters checked in banking include credit score, income, employment history, debt-to-income ratio, and credit report.
• Credit score

• Income

• Employment history

• Debt-to-income ratio

• Credit report
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Q5. In CIBIL what r u checking and why
Ans. 
In CIBIL, credit managers check credit scores and credit reports to assess an individual's creditworthiness.
• Check credit scores to determine the individual's credit risk

• Review credit reports for any past credit history, outstanding debts, and payment patterns

• Assess the individual's creditworthiness based on the information obtained from CIBIL
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Q1. Old janathi pathi name
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Q1. New prime minister of india
Ans. 
Narendra Modi is the current Prime Minister of India.
• Narendra Modi is the 14th Prime Minister of India.

• He assumed office on May 26, 2014.

• He is a member of the Bharatiya Janata Party (BJP).

• He was previously the Chief Minister of Gujarat from 2001 to 2014.

• Under his leadership, India has seen significant economic growth and development.

• He has launched several initiatives such as Make in India, Swachh Bharat Abhiyan, and D...read more
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Q2. Prime minister Narendra modi
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Q3. Prime minister Naendra modi
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Q1. New muthalamaychar name
Ans. 
The question is asking for a new muthalamaychar name.
• Think of a unique and catchy name for the muthalamaychar.

• Consider the purpose or characteristics of the muthalamaychar when coming up with the name.

• Ensure the name is easy to pronounce and remember.

• Avoid using existing names or trademarks to prevent confusion or legal issues.
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Q2. Mutalamaychar Pinaray vijayan
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Your choice case study

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Q1. New prasident of india
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Q1. Kerala best combany name
Ans. 
There is no specific 'best' company name in Kerala as it depends on various factors such as industry, sector, and individual preferences.
• The best company name in Kerala would vary based on the industry or sector it operates in.

• Some popular company names in Kerala include Infosys, Tata Consultancy Services, and Federal Bank.

• The best company name should be unique, memorable, and reflect the company's values and offerings...read more
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Q1. Your choice question sir
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Your company choice group dicussion

This job is iam appoinded company assignment iam comleted the progect

Iam appoided and disappoided choice your company group discussion

Q1. About experience. I did say clearly previously work experience details.
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First round I was given assignment of financial statements

Q1. Where you will see your self after 3 years
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Q1. What is your past experience ?
Ans. 
I have 5 years of experience as a Credit Manager in a leading financial institution.
• Managed a portfolio of over 500 clients, ensuring timely collection of payments

• Analyzed creditworthiness of potential clients and recommended appropriate credit limits

• Implemented credit control procedures to minimize risk and reduce bad debt

• Negotiated payment terms and settlements with delinquent customers

• Collaborated with sales and fin...read more
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Q2. Are you ready and comfortable to do work on extreme hours?
Ans. 
Yes
• Yes, I am ready and comfortable to work on extreme hours.

• I understand that the role of a Credit Manager may require working long hours to meet deadlines or handle urgent situations.

• I have previous experience working on flexible schedules and have successfully managed high-pressure situations.

• I am committed to delivering results and ensuring the smooth functioning of credit operations, even if it means working outsid...read more
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A train running at the speed of 60 km/hr crosses a pole in 9 seconds. What is the length of the train

Q1. . Can you tell me more about yourself?
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Q1. Experience about past company
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Q2. Expectations
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