AmbitionBox
Interview Questions
- Reviews
- Salaries
- Interview Questions
- About Company
- Benefits
- Jobs
- Office Photos
- Community
Add office photos
ICICI Bank
Compare
Proud winner of ABECA 2024 - AmbitionBox Employee Choice Awards
Filter interviews by
ICICI Bank Branch Credit Manager Interview Questions, Process, and Tips for Experienced
Top ICICI Bank Branch Credit Manager Interview Questions and Answers for Experienced
- Q1. What will you check in tax audit report when someone applies for loan
- Q2. What will you check when somebody applies for loan
- Q3. What if assessee has filed his return in 44AD
ICICI Bank Branch Credit Manager Interview Experiences for Experienced
9 interviews found
Anonymous
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
(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
What people are saying about ICICI Bank
I applied via Referral and was interviewed in Jul 2021. There were 3 interview rounds.
Interview Questionnaire
4 Questions
- Q1. What will you check when somebody applies for loan
- Ans.
I will check the applicant's credit score, income, employment history, and debt-to-income ratio.
Credit score
Income
Employment history
Debt-to-income ratio
- Q2. What will you check in tax audit report when someone applies for loan
- Ans.
In tax audit report for loan application, I check for compliance, accuracy, consistency, and potential red flags.
Check for compliance with tax laws and regulations
Verify accuracy of reported income and expenses
Ensure consistency with previous tax returns and financial statements
Look for potential red flags such as large deductions or unreported income
Consider the overall financial health of the applicant
- Q3. What if assessee has filed his return in 44AD
- Ans.
If assessee has filed his return in 44AD
44AD is a presumptive taxation scheme for small businesses
The assessee can declare income at 8% of gross receipts
If the assessee has filed under 44AD, the credit manager should verify the income declared and ensure it is in line with the business activities
If the income declared is significantly lower than expected, further investigation may be required
- Q4. What you will check in CIBIL
- Ans.
CIBIL check includes credit score, credit history, loan repayment behavior, defaults, and outstanding debts.
Credit score
Credit history
Loan repayment behavior
Defaults
Outstanding debts
Interview Preparation Tips
ICICI Bank interview questions for designations
I applied via Company Website and was interviewed in May 2021. There was 1 interview round.
Interview Questionnaire
6 Questions
- Q1. Tell me about yourself.
- Q2. CA articleship experience.
- Q3. Diff between secured and unsecured loan.
- Ans.
Secured loans are backed by collateral while unsecured loans are not.
Secured loans require collateral such as a house or car to be pledged as security for the loan.
Unsecured loans do not require collateral and are based solely on the borrower's creditworthiness.
Secured loans typically have lower interest rates than unsecured loans.
Examples of secured loans include mortgages and auto loans, while credit cards and person
- Q4. Whether car loan is a secured or unsecured loan.
- Ans.
Car loan is a secured loan.
Car loan is secured by the car itself as collateral.
If the borrower defaults on the loan, the lender can repossess the car.
Interest rates on secured loans are generally lower than unsecured loans.
Examples of unsecured loans include personal loans and credit cards.
- Q5. Some ratio related questions and logic behind those ratios.
- Q6. Most effected industries due to COVID.
- Ans.
The COVID-19 pandemic has affected various industries, with some being hit harder than others.
Travel and tourism industry has been severely impacted due to travel restrictions and lockdowns.
Hospitality industry has also suffered due to closure of restaurants, bars, and hotels.
Retail industry has seen a shift towards online shopping, with brick-and-mortar stores struggling.
Entertainment industry has been hit hard with m...
Interview Preparation Tips
Get interview-ready with Top ICICI Bank Interview Questions
I appeared for an interview in Oct 2021.
(1 Question)
- Q1. Question related to Credit Underwriting
Interview Preparation Tips
I applied via Other and was interviewed in May 2021. There were 3 interview rounds.
Interview Questionnaire
1 Question
- Q1. Self introduction, work details
Interview Preparation Tips
2- Positive thinking.
3- Self introduction full details.
I applied via Company Website and was interviewed before Sep 2021. There were 3 interview rounds.
(2 Questions)
- Q1. Credit related process
- Q2. Technical process risk control
(2 Questions)
- Q1. CTC required more than percentage
- Q2. Location preference,job stable
Interview Preparation Tips
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
Interview questions from similar companies
I applied via Referral and was interviewed in Sep 2019. There were 3 interview rounds.
Interview Questionnaire
4 Questions
- Q1. What's the difference between operation and sales.
- Ans.
Operations focus on internal processes while sales focus on external revenue generation.
Operations involve managing resources, logistics, and production processes.
Sales involve identifying and pursuing potential customers, negotiating deals, and generating revenue.
Operations ensure efficient and effective use of resources while sales ensure revenue growth.
Examples of operations include supply chain management, inventor...
- Q2. What, s NRE and NRO account.
- Ans.
NRE and NRO accounts are types of bank accounts for non-resident Indians.
NRE stands for Non-Resident External account, which is a rupee-denominated account that allows NRIs to transfer foreign earnings to India and earn tax-free interest.
NRO stands for Non-Resident Ordinary account, which is a savings or current account that allows NRIs to manage their income earned in India and abroad.
NRO accounts have taxable interes...
- Q3. What's are KYC docs required to open the current account.
- Ans.
KYC docs required to open a current account
Identity proof - Aadhaar card, PAN card, Passport, Voter ID card
Address proof - Aadhaar card, Passport, Utility bills, Bank statement
Passport size photograph
Business proof - GST registration certificate, Trade license, etc.
PAN card of the business entity
KYC declaration form
- Q4. Why do you want to join this organization
Interview Preparation Tips
ICICI Bank Interview FAQs
Some of the top questions asked at the ICICI Bank Branch Credit Manager interview for experienced candidates -
Tell us how to improve this page.
ICICI Bank Interviews By Designations
- ICICI Bank Relationship Manager Interview Questions
- ICICI Bank Deputy Manager Interview Questions
- ICICI Bank Assistant Manager Interview Questions
- ICICI Bank Phone Banking Officer Interview Questions
- ICICI Bank Credit Manager Interview Questions
- ICICI Bank Branch Manager Interview Questions
- ICICI Bank Senior Officer Interview Questions
- ICICI Bank Sales Officer Interview Questions
- Show more
Interview Questions for Popular Designations
- Credit Manager Interview Questions
- Credit Officer Interview Questions
- Credit Analyst Interview Questions
- Credit Risk Analyst Interview Questions
- Area Credit Manager Interview Questions
- Branch Credit Officer Interview Questions
- Branch Manager Interview Questions
- Senior Manager Credit Interview Questions
- Show more
ICICI Bank Branch Credit Manager Interview Process for Experienced
based on 2 interviews
1 Interview rounds
- Resume Shortlist Round
Branch Credit Manager Interview Questions from Similar Companies
Fast track your campus placements
ICICI Bank Branch Credit Manager Reviews and Ratings
based on 125 reviews
Rating in categories
|
Deputy Manager
15.5k
salaries
|  ₹2.5 L/yr - ₹11 L/yr |
|
Relationship Manager
13.1k
salaries
| ₹2.3 L/yr - ₹11.3 L/yr |
|
Assistant Manager
10.2k
salaries
| ₹1.8 L/yr - ₹6 L/yr |
|
Manager
4.8k
salaries
| ₹5.5 L/yr - ₹18.7 L/yr |
|
Credit Manager
3.3k
salaries
| ₹4.3 L/yr - ₹17.6 L/yr |
HDFC Bank
Axis Bank
Kotak Mahindra Bank
AU Small Finance Bank
- Home >
- Interviews >
- ICICI Bank Interview Questions >
- ICICI Bank Branch Credit Manager Interview Questions for Experienced
