ICICI Bank Credit Manager Interview Questions, Process, and Tips

Q1. General questions based on articleship experience
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Q2. They may ask General questions relating to banking
Ans. Prepare Credit Underwriting Taking risk for a fee Process of appraisal, financial analysis to know the credit worthiness of borrower so that banks can give loans after proper due diligence and analysis 5 C’s Character — check Cibil score — whether any non compliances of Rbi regulations Capacity — verify analyse Financial statements — conduct ratio analysis — Debt to income ratio Capital How much own capital ...read more
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General aptitude test

Q1. About underwriting
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Q2. And cibil related questions
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Q1. Normal Basics questions
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Q2. About me,Brife of my profile from start
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Q3. Salary expectations
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Q4. Why looking for change
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Q5. Relocate my Location or not
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Q1. What is the role of credit manager
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Credit managers are responsible for overseeing the credit granting process, managing credit risk, and ensuring customers pay on time.
• Evaluate credit applications and determine credit limits

• Monitor customer accounts and ensure timely payments

• Manage relationships with credit reporting agencies and collection agencies

• Develop and implement credit policies and procedures

• Analyze financial data to assess creditworthiness

• Negot
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Q2. How to calculate working capital cycle
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Working capital cycle is calculated by adding the number of days it takes to sell inventory, the number of days it takes to collect receivables, and subtracting the number of days it takes to pay suppliers.
• Calculate average inventory turnover ratio by dividing cost of goods sold by average inventory.

• Calculate average collection period by dividing accounts receivable by average daily credit sales.

• Calculate average payme...read more
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Q3. What is CIBIL report
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CIBIL report is a credit report generated by Credit Information Bureau (India) Limited, containing an individual's credit history.
• CIBIL report is used by lenders to evaluate an individual's creditworthiness before approving a loan or credit card.

• It includes details such as credit score, repayment history, outstanding loans, and credit inquiries.

• A good credit score in CIBIL report indicates a higher likelihood of loan a...read more
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Q1. What is Ideal debt equity ratio? What is Credit Appraisal?
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Ideal debt equity ratio varies by industry and company, but generally ranges from 0.5 to 2.
• Debt equity ratio is a measure of a company's financial leverage.

• It compares a company's total debt to its total equity.

• A higher debt equity ratio indicates higher financial risk.

• Ideal debt equity ratio varies by industry and company, but generally ranges from 0.5 to 2.

• For example, a technology company may have a higher debt equi...read more
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Q2. What are the key takeaways of recent budget?
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The recent budget focuses on healthcare, infrastructure, and digitalization.
• Increased allocation for healthcare sector

• Focus on building new highways and railways

• Investment in digital infrastructure

• Reduction in customs duty on certain products

• Introduction of new tax regime for small businesses
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Q1. Financial ratios, working capital management
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Q2. Questions on past experiences.
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Q1. Salary negotiation
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Q2. Preferred Location
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