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HDFC Bank Credit Manager Interview Questions and Answers
24 Interview questions
Quick ratio is a financial ratio that measures a company's ability to meet short-term obligations with its most liquid assets.
Quick ratio is also known as acid-test ratio.
It is calculated by dividing the sum of cash, marketable securities, and accounts receivable by current liabilities.
A quick ratio of 1:1 or higher is considered good.
It helps in assessing a company's liquidity position and ability to pay off shor...
Before sanctioning a loan, I check various information and documents.
Credit score and credit history of the borrower
Income and employment details of the borrower
Collateral offered by the borrower
Purpose of the loan
Legal documents like ID proof, address proof, and income proof
Bank statements and tax returns
Credit reports from credit bureaus
Business plan and financial statements for business loans
I will check the client's financial history, credit score, business plan, collateral, and repayment ability.
Check the client's credit score and financial history to assess their creditworthiness
Evaluate the client's business plan and long-term project to ensure it is viable and profitable
Assess the client's collateral to determine its value and potential for resale
Verify the client's repayment ability through inco...
Working capital is the amount of money a company has available to fund its day-to-day operations.
Working capital is calculated by subtracting current liabilities from current assets.
It is important for a company to have enough working capital to pay for expenses such as rent, salaries, and inventory.
If a company has negative working capital, it may struggle to meet its financial obligations.
Examples of current ass...
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Reading a balance sheet involves analyzing a company's assets, liabilities, and equity.
Start by identifying the assets, which are listed in order of liquidity.
Then, identify the liabilities, which are listed in order of maturity.
Finally, analyze the equity section, which shows the company's net worth.
Compare the assets and liabilities to determine the company's financial health.
Look for trends over time to identif...
Lending policies are guidelines set by financial institutions to determine who can borrow money and under what conditions.
Lending policies are based on factors such as credit score, income, debt-to-income ratio, and collateral.
Financial institutions use lending policies to manage risk and ensure that borrowers are able to repay their loans.
Lending policies may vary depending on the type of loan and the institution...
Yes, I have some information about tractors.
I know that tractors are commonly used in agriculture for plowing, tilling, and planting.
Tractors come in different sizes and types, such as utility tractors, row-crop tractors, and compact tractors.
I am aware that some tractors are equipped with attachments like loaders, backhoes, and mowers.
I also know that tractors require regular maintenance and repairs to ensure the...
I would assess the applicant's creditworthiness based on their credit history, income, and debt-to-income ratio.
Check the applicant's credit score and credit report
Verify their income and employment status
Calculate their debt-to-income ratio
Consider any past delinquencies or bankruptcies
Assess the purpose of the loan and the likelihood of repayment
Review any collateral offered as security
Check points while underwriting
Evaluate the borrower's credit history and credit score
Assess the borrower's income and employment stability
Review the borrower's debt-to-income ratio
Analyze the borrower's collateral or assets
Consider the borrower's repayment capacity
Verify the borrower's financial documents
Assess the borrower's payment history and credit utilization
Evaluate the borrower's industry and market condit...
HDFC Bank Credit Manager Interview Experiences
53 interviews found
Anonymous
Selected
I applied via LinkedIn and was interviewed in Jan 2024. There were 3 interview rounds.
Assessment,................
(1 Question)
- Q1. About yourself, why this Job
(1 Question)
- Q1. Salary discussion
Selected
I applied via Referral and was interviewed in Oct 2023. There were 2 interview rounds.
(2 Questions)
- Q1. Ratio , agri msp , cibil
- Q2. Ratio and agri related q
Interview Preparation Tips
Rohit Singh
(1 Question)
- Q1. About company and related to work
(1 Question)
- Q1. Basic questions
(1 Question)
- Q1. Ratio analysis and cash flow analysis
Selected
(1 Question)
- Q1. Itr articleship exp genearal interview
Interview Preparation Tips
Selected
I applied via Naukri.com and was interviewed before Apr 2023. There was 1 interview round.
(2 Questions)
- Q1. Where do you see in 5 years
- Ans.
In five years, I envision myself as a senior credit manager, leading a team and driving strategic initiatives to enhance credit processes.
Advancing to a senior credit manager role, overseeing a larger team and more complex portfolios.
Implementing innovative credit assessment tools to improve efficiency and accuracy, similar to how AI is transforming the industry.
Developing training programs for junior credit analysts t...
- Q2. I see myself as core part of a team
Selected
I applied via Naukri.com and was interviewed in Mar 2023. There were 2 interview rounds.
(2 Questions)
- Q1. About experience and banking releated
- Q2. Rations for credit analysis
- Ans.
Ratios used in credit analysis
Liquidity ratios: current ratio, quick ratio
Profitability ratios: return on assets, return on equity
Debt ratios: debt-to-equity ratio, debt service coverage ratio
Efficiency ratios: inventory turnover, accounts receivable turnover
Examples of industry-specific ratios: net interest margin for banks, occupancy rate for hotels
There was an aptitude test after screening round of resume
Then they were 10 of a group for GD round
(1 Question)
- Q1. They ask about your self about exp and technical round
Selected
I applied via Referral and was interviewed before May 2023. There was 1 interview round.
(1 Question)
- Q1. Previous experinec and work profile
- Ans.
Experienced Credit Manager with a strong background in risk assessment, credit analysis, and financial reporting.
Managed a portfolio of over 200 clients, ensuring timely payments and minimizing defaults.
Conducted thorough credit assessments using financial statements and credit reports to evaluate risk.
Implemented a new credit scoring model that reduced approval times by 30%.
Collaborated with sales and finance teams to...
Interview Preparation Tips
Selected
I applied via Naukri.com and was interviewed in Dec 2022. There were 3 interview rounds.
Financial Management, Crediworhness of the borrower, Financial Analysis,deep understanding of the secured and unsecured loan
(3 Questions)
- Q1. Negotiation of CTC , about the job profile , what is your CTC expectation? Do you have the following list of documents for the further process?
- Q2. Negotiation of CTC , about the job profile , Do you have the following list of documents for the further process?
- Q3. What is your CTC expectation?
Interview Preparation Tips
HDFC Bank Interview FAQs
Some of the top questions asked at the HDFC Bank Credit Manager interview -
The duration of HDFC Bank Credit Manager interview process can vary, but typically it takes about less than 2 weeks to complete.
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based on 607 reviews
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