A client comes & he wants a big loan to fund his long-term project, what kind of documents/information you will check & how will you deal with him?

Question

Accepted Answer

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 income statements, cash flow projections, and other financial documents
Negotiate loan terms and conditions with the client based on the above factors

Accepted Answer

I will check the client's financial history, credit score, business plan, collateral, and repayment ability. Check the client's credit score and financial ...

Accepted Answer

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 income statements, cash flow projections, and other financial documents

Negotiate loan terms and conditions with the client based on the above factors

Accepted Answer

Customer Behavior and Customer credit history and Customer residence and Customer working areas and Customer Occupation and Income.

Accepted Answer

First we need to know type of project, the total cost of the project, we should ascertain based on this and also that project will stand atleast 25 to 30 years, the documents required are - IT return, Project details, land records and other connected papers.

Accepted Answer

अगर किसी व्यक्ति को बड़ा लोन चाहिए और लंबे समय के लिए चाहिए ।

सबसे पहले उसके डॉक्यूमेंट चेक किए जाने चाहिए ।
उसके बिजनेस या जो भी वह जॉब करता है उसके बारे में पूछताछ करनी चाहिए ।
उसके अकाउंट के बारे जानकारी लेनी चाहिए कही उसका कोई और लोन तो नही चल रहा है उसके क्रेडिट स्कोर भी देखा जाना चाहिए ।
उसका घर के बारे में देखना चाहिए उसका अपना घर है या किराए के घर में रहता है
बहुत ही सोच समझ कर लोन देना चाहिए ताकि भुगतान के समय कोई परेशानी बैंक को नहीं उठानी पड़े ।

Accepted Answer

1st of all will try to know more about his Project whether the project that he is investing in is valuable or not. 2nd will be checking the customer profile what he is doing what his income is so we can understand whether the amount is recoverable or not. 3rd will ask for collateral against the laon after checking all the Documents and CIBIL

Accepted Answer

I will check customer behaviour and financial history,credit score clients business plan and Neighbors know about customers

Accepted Answer

I will check his behavior, profile details, per day sales, positive verification from business neighbour's & GST registration & current banking & ITR also.

A client comes & he wants a big loan to fund his long-term project, what kind of documents/information you will check & how will you deal with him?

Top HDFC Bank Credit Manager interview questions & answers

Popular interview questions of Credit Manager

Top HR questions asked in HDFC Bank Credit Manager

A client comes &amp; he wants a big loan to fund his long-term project, what kind of documents/information you will check &amp; how will you deal with him?

Top HDFC Bank Credit Manager interview questions & answers

Popular interview questions of Credit Manager

Top HR questions asked in HDFC Bank Credit Manager

A client comes & he wants a big loan to fund his long-term project, what kind of documents/information you will check & how will you deal with him?