HDFC Bank Underwriting Manager Interview Questions and Answers

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Q1. What is ltv and what is residual incom
Ans. 
LTV stands for Loan-to-Value ratio, which is a financial term used by lenders to assess the risk of a loan. Residual income is the amount of income that remains after all debts and expenses have been paid.
• LTV is calculated by dividing the loan amount by the appraised value of the property

• A lower LTV ratio indicates a lower risk for the lender

• Residual income is the income that an individual has left over after paying al...read more
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Q2. What is foir and inir
Ans. 
FOIR stands for Fixed Obligation to Income Ratio and INIR stands for Internal Rate of Return.
• FOIR is a ratio used by lenders to assess a borrower's repayment capacity based on their fixed obligations compared to their income.

• INIR is a financial metric used to calculate the profitability of an investment over time.

• FOIR is commonly used in the credit underwriting process to determine a borrower's eligibility for a loan.

• I...read more
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Q1. Flow of interview round: - Work experience mentioned on CV - Financial ratios, was given one case with relevant data to analyse as to which all ratios need to be looked at, their formulas and how we need t...read more
Ans. Detailed knowledge on key formulas of financial ratios is important
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Q1. What are your salary expectations?
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Q2. What is your family background?
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Q3. Why are you looking for a change?
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Q4. Where do you see yourself in 5 years?
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Q5. To be associated with bank and see myself as a team leader Reason for change: looking for greater work exposure and added responsibility inorder to grow professionally
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