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Hero Housing Finance Branch Credit Manager Interview Questions and Answers
Hero Housing Finance Branch Credit Manager Interview Experiences
1 interview found
(2 Questions)
- Q1. About notice period
- Q2. Salary structure
Interview Preparation Tips
Top trending discussions
Interview questions from similar companies
I applied via Walk-in and was interviewed before Oct 2019. There was 1 interview round.
Interview Questionnaire
2 Questions
- Q1. Do u know how to prepare cash flow statements
- Ans.
Yes, I know how to prepare cash flow statements.
Cash flow statements show the inflow and outflow of cash in a business.
They are prepared using the indirect or direct method.
The indirect method starts with net income and adjusts for non-cash items and changes in working capital.
The direct method lists all cash receipts and payments.
Cash flow statements are important for assessing a company's liquidity and financial heal
- Q2. How will you determine persons credibilty
Interview Preparation Tips
Branch Credit Manager Interview Questions & Answers
Piramal Capital Housing Finance
RAMAN KUMAR SHARMA
posted on 15 Oct 2023
Selected
I applied via Referral and was interviewed before Oct 2022. There were 3 interview rounds.
Specific knowledge about department
(2 Questions)
- Q1. Salary and other questions
- Q2. How much salar you expecting
Interview Preparation Tips
Branch Credit Manager Interview Questions & Answers
Piramal Capital Housing Finance
Anonymous
posted on 31 Jan 2023
I applied via Campus Placement
A Online Round based on Appitude.
A Current News Related to CBDC ,Duration :- 30 mins
(1 Question)
- Q1. TAXATION , TYPES OF LOANS,ABOUT ROLE
(1 Question)
- Q1. FAMILY BACKGROUND AND GENERAL QUESTIONS
Interview Preparation Tips
(1 Question)
- Q1. Good to work if you want money only no job satisfaction
(1 Question)
- Q1. What is banking company
- Ans.
A banking company is a financial institution that provides banking services to customers.
A banking company accepts deposits from customers and provides loans and other financial services.
Examples of banking companies include JPMorgan Chase, Bank of America, and Wells Fargo.
Banking companies are regulated by government agencies such as the Federal Reserve and FDIC.
They play a crucial role in the economy by facilitating ...
Interview Preparation Tips
I was interviewed in Oct 2021.
(1 Question)
- Q1. Question related to Credit Underwriting
Interview Preparation Tips
I applied via Job Portal and was interviewed in Sep 2023. There were 3 interview rounds.
(1 Question)
- Q1. What is your skill
Good is communication
Interview Preparation Tips
Selected
I applied via Campus Placement and was interviewed before Mar 2023. There were 2 interview rounds.
(1 Question)
- Q1. Why you want to join us
(1 Question)
- Q1. Credit appraisal process
I applied via Campus Placement and was interviewed in Nov 2021. There was 1 interview round.
Interview Questionnaire
3 Questions
- Q1. Ratio analysis related question
- Ans. Read all ratio carefully with deeply understanding and also try to make linkages between ratio
- Q2. How to analysis a loan file before disbursements
- Ans.
To analyze a loan file before disbursement, one should check the borrower's credit score, income, employment history, and collateral.
Check the borrower's credit score to determine their creditworthiness
Verify the borrower's income to ensure they can repay the loan
Review the borrower's employment history to assess their stability
Evaluate the collateral to determine its value and ensure it can cover the loan amount
Check ...
- Q3. Tell all the due diligence that need to check before disbursements
- Ans.
Before disbursements, due diligence should be done to ensure the borrower's creditworthiness and ability to repay the loan.
Verify the borrower's identity and credit history
Assess the borrower's income and expenses to determine their ability to repay the loan
Check for any outstanding debts or liens on the borrower's assets
Evaluate the purpose of the loan and the borrower's business plan
Ensure compliance with all regulat...
Interview Preparation Tips
Selected
I applied via Campus Placement and was interviewed in Aug 2023. There were 2 interview rounds.
(5 Questions)
- Q1. Explain NPA norms
- Ans.
NPA norms refer to guidelines set by the Reserve Bank of India for classification of non-performing assets in banks.
NPA stands for Non-Performing Asset
RBI categorizes NPAs based on the period for which the asset has remained non-performing
Different categories include Substandard Assets, Doubtful Assets, and Loss Assets
Banks are required to make provisions for NPAs based on RBI guidelines
- Q2. What are retail banking assets
- Ans.
Retail banking assets are financial products and services offered to individual customers by banks.
Includes savings accounts, checking accounts, personal loans, mortgages, credit cards, and certificates of deposit
These assets generate revenue for the bank through interest payments and fees
Banks use retail banking assets to attract and retain customers
- Q3. What is difference between reserve capital and capital reserve
- Ans.
Reserve capital is the amount of funds set aside by a company for specific purposes, while capital reserve is the profit earned by a company that is not distributed to shareholders.
Reserve capital is a part of the company's share capital that cannot be distributed as dividends to shareholders.
Capital reserve is created from profits earned by a company and is not distributed to shareholders but kept for specific purpose...
- Q4. Family background
- Q5. What are your expectations from your first job
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Hero Housing Finance Branch Credit Manager Interview Process
based on 2 interviews
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