ICICI Bank Privilege Banker Relationship Manager Interview Questions and Answers

Q1. Introduction about the background
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Q2. How will you be useful in the company
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Q3. Are you comfortable for pan india location
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Q4. Are you eager to learn
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Q5. Loyal to the company
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Q1. Kindly introduce
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Q2. Kindly tell you work in organization
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Q1. Kindly Introduce yourself
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Q2. Please let me know your work experience
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Q1. Background and experience
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Q2. Relavent projects and business handled
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Q3. Willingness to travel about 30 percent of the time
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Q1. What is your work experience?
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I have 5 years of experience working as a Relationship Manager in the banking industry.
• Managed a portfolio of high net-worth clients

• Developed and maintained relationships with clients to understand their financial needs

• Provided personalized financial solutions and advice to clients

• Collaborated with internal teams to ensure seamless delivery of services

• Achieved sales targets and contributed to the overall growth of the
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Q2. Please tell me about work of business loan, Secured, unsecured, CC, OD, working capital, LAP.
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Business loans can be secured or unsecured, with options like CC, OD, working capital, and LAP available for businesses.
• Business loans can be secured by collateral such as property or equipment, providing a lower interest rate.

• Unsecured loans do not require collateral but may have higher interest rates to compensate for the risk.

• CC (Cash Credit) is a type of loan where the borrower can withdraw funds up to a certain li...read more
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Q3. Please tell me about your family members
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I come from a close-knit family of five, including my parents, older sister, and younger brother.
• Parents are both retired and enjoy traveling

• Older sister is a lawyer and lives in a different city

• Younger brother is studying engineering at university
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Q1. What is working capital
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Working capital is the difference between a company's current assets and current liabilities.
• Working capital is essential for a company's day-to-day operations.

• It indicates the company's ability to meet its short-term financial obligations.

• Formula: Working Capital = Current Assets - Current Liabilities

• Examples: Cash, accounts receivable, inventory are current assets. Accounts payable, short-term loans are current liabi
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Q2. What is DSCR Ratio
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DSCR Ratio is Debt Service Coverage Ratio, a financial metric used to measure a company's ability to cover its debt obligations.
• DSCR Ratio is calculated by dividing a company's operating income by its total debt service payments.

• A DSCR Ratio of 1 or higher indicates that a company is generating enough income to cover its debt payments.

• Lenders typically look for a DSCR Ratio of 1.25 or higher when evaluating a company's
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Q1. Could you provide a self-introduction?
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Q2. What are your achievements?
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Q1. How's your past organisation experience
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Reasoning, quantitative skills, and English language proficiency.

Q1. How should one prepare for analyzing financial statements, balance sheets, and assessing limits?
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