HDB Financial Services Credit Analyst Interview Questions and Answers

Microfinance was established in the 1970s as a way to provide financial services to low-income individuals and communities.

• Microfinance originated in the 1970s as an initiative to alleviate poverty and promote financial inclusion.

• The Grameen Bank in Bangladesh, founded by Muhammad Yunus in 1976, is often credited as the pioneer of modern microfinance.

• Microfinance institutions offer small loans, savings accounts, and ot...read more

As a Credit Risk Analyst, I typically deal with loan limits ranging from $10,000 to $1,000,000 depending on the client's creditworthiness.

• Loan limits can vary based on the client's credit score, income, and financial history.

• I have experience analyzing and approving loans ranging from small personal loans to large commercial loans.

• The maximum loan limit I have dealt with is $1,000,000 for a commercial real estate proje...read more

I have over 5 years of experience as a Credit Manager, specializing in risk assessment, credit analysis, and collections.

• Managed credit risk by analyzing financial statements and credit reports

• Developed and implemented credit policies to minimize bad debt

• Negotiated payment terms with customers to ensure timely payments

• Worked closely with sales team to evaluate creditworthiness of new customers

A credit manager is responsible for assessing and managing the creditworthiness of individuals or businesses.

• They evaluate credit applications and determine the risk involved in lending money or extending credit.

• They set credit limits and terms of payment.

• They monitor credit accounts and ensure timely payments.

• They work closely with sales teams to ensure credit policies are followed.

• They may also negotiate payment plan...read more

I was responsible for managing credit operations and ensuring the branch's credit portfolio was in line with company policies.

• Managed credit operations at the branch

• Ensured compliance with company credit policies

• Analyzed credit applications and made credit decisions

• Monitored and reviewed the branch's credit portfolio

• Worked closely with sales and customer service teams to address credit-related issues

• Implemented strateg...read more