HDB Financial Services Branch Credit Manager Interview Questions, Process, and Tips

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Q1. 1. Tell me about yourself
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Q2. 2.What is the process of loan
Ans. 
The loan process involves application, verification, approval, disbursement, and repayment.
• Application: Borrower submits application with required documents.

• Verification: Lender verifies borrower's information and creditworthiness.

• Approval: Lender approves or denies the loan based on the verification.

• Disbursement: If approved, funds are disbursed to the borrower.

• Repayment: Borrower repays the loan amount with interest
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Q1. Previous work details
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Q2. Why want to change
Ans. 
Seeking new challenges and growth opportunities in a larger organization.
• Desire for career advancement

• Interest in taking on more responsibilities

• Looking for a change in work environment

• Seeking better compensation or benefits

• Wanting to work for a more reputable company
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Q3. How to evaluate a customer for credit worthiness
Ans. 
Evaluate customer credit worthiness by analyzing financial history, credit score, income, and payment behavior.
• Check credit score and credit history

• Analyze income and employment stability

• Review payment behavior on previous debts

• Consider debt-to-income ratio

• Look for any outstanding loans or bankruptcies

• Evaluate the length of credit history
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Q4. Situation based question
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Q5. Why want to join hdb
Ans. 
I want to join HDB because of its strong reputation in the industry and the opportunities for growth and development.
• HDB has a strong reputation in the industry for providing excellent financial services

• I am impressed by HDB's commitment to employee growth and development

• I believe that my skills and experience align well with the values and goals of HDB
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Q1. Previous experience
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Q1. Knowledge of underwriting
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Q1. Tell me about yourself.
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Q2. Previous job experience
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Q3. What is liquidity ratio
Ans. 
Liquidity ratio is a financial metric used to measure a company's ability to pay off its short-term debts with its liquid assets.
• Liquidity ratio indicates the company's ability to meet its short-term obligations.

• Common liquidity ratios include current ratio and quick ratio.

• Current ratio = Current Assets / Current Liabilities

• Quick ratio = (Current Assets - Inventory) / Current Liabilities
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Q4. If you are comfortable to do some field work
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