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ICICI Bank Credit Manager Interview Questions, Process, and Tips
Top ICICI Bank Credit Manager Interview Questions and Answers
- Q1. What are the most important ratios to analyse the balance sheet and profit loss statement of borrower?
- Q2. Which clauses are important in 3CD while sanctioning loan
- Q3. What are the key skills of credit manager?
ICICI Bank Credit Manager Interview Experiences
71 interviews found
Anonymous
I was interviewed before Apr 2016.
Interview Questionnaire
5 Questions
- Q1. Which clauses are important in 3CD while sanctioning loan
- Ans.
Important clauses in 3CD for loan sanctioning
Clause 4 - Purpose of loan
Clause 5 - Amount of loan
Clause 6 - Repayment terms
Clause 7 - Security for loan
Clause 8 - Interest rate
Clause 9 - Default and consequences
- Q2. Tell me profit and loss ratios
- Ans.
Profit and loss ratios are financial metrics used to assess the profitability of a company.
Profit ratio measures the percentage of profit earned on sales.
Gross profit ratio is calculated by dividing gross profit by net sales.
Net profit ratio indicates the percentage of net profit earned on sales.
Operating profit ratio measures the profitability of core operations.
Return on investment (ROI) is a common profitability rat
- Q3. Balance sheet ratios
- Q4. Diffrence between concurrent audit and statutory audit
- Ans.
Concurrent audit is conducted during the course of business operations, while statutory audit is conducted at the end of the financial year.
Concurrent audit is performed concurrently with the operations of the organization.
Statutory audit is conducted to ensure compliance with legal and regulatory requirements.
Concurrent audit helps in detecting and preventing frauds and errors in real-time.
Statutory audit provides an ...
- Q5. If someone is earning less than EMI should he take a loan or not
- Ans.
No, someone earning less than EMI should not take a loan.
Taking a loan when earning less than the EMI can lead to financial strain and difficulty in repayment.
It is important to have a stable income that can comfortably cover the loan repayment.
If someone is already struggling to meet their financial obligations, taking on additional debt can worsen their situation.
It is advisable to explore alternative options such as...
Interview Preparation Tips
Selected
I applied via Naukri.com and was interviewed in Mar 2024. There were 2 interview rounds.
(1 Question)
- Q1. Job role and responsibilities, case studies, job role relavent questions, Banking terms and other knowledge
(1 Question)
- Q1. Job role and responsibilities relavent question.
Selected
(2 Questions)
- Q1. Explain working capital
- Ans.
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 liquidity and ability to meet short-term obligations
Formula: Working Capital = Current Assets - Current Liabilities
Examples: Cash, accounts receivable, inventory are current assets; accounts payable, short-term debt are current liabilit
- Q2. What do you understand by liquidity ratio
- Ans.
Liquidity ratio measures a company's ability to pay off its short-term debts with its liquid assets.
Liquidity ratio is calculated by dividing liquid assets by current liabilities.
It shows how easily a company can cover its short-term obligations.
Common liquidity ratios include the current ratio and the quick ratio.
A higher liquidity ratio indicates a better ability to meet short-term obligations.
What people are saying about ICICI Bank
Selected
I applied via Naukri.com and was interviewed in Jun 2024. There was 1 interview round.
(2 Questions)
- Q1. Why choose this
- Q2. Past experience
Interview Preparation Tips
ICICI Bank interview questions for designations
Selected
I applied via Campus Placement and was interviewed in May 2024. There was 1 interview round.
(2 Questions)
- Q1. Tell me about yourself
- Q2. Full form of icici
- Ans.
ICICI stands for Industrial Credit and Investment Corporation of India.
ICICI was established in 1955 as a joint venture between the World Bank, the Government of India, and representatives of Indian industry.
It is one of the largest private sector banks in India.
ICICI Bank offers a wide range of financial products and services including retail banking, corporate banking, and wealth management.
Get interview-ready with Top ICICI Bank Interview Questions
Selected
I applied via Naukri.com and was interviewed in Oct 2023. There was 1 interview round.
(1 Question)
- Q1. Tell me about your, current CRR and SLR, repo rate and reverse repo rate
- Ans.
CRR stands for Cash Reserve Ratio, SLR stands for Statutory Liquidity Ratio, repo rate is the rate at which the central bank lends money to commercial banks, and reverse repo rate is the rate at which the central bank borrows money from commercial banks.
CRR is currently at 4%
SLR is currently at 18.25%
Repo rate is currently at 4%
Reverse repo rate is currently at 3.35%
Interview Preparation Tips
Credit Manager Jobs at ICICI Bank
Selected
(1 Question)
- Q1. Tell me about youself why you want to join ICICI Bank
(1 Question)
- Q1. What are the Loans and advances What is the current ratio and other financial ratios
- Ans.
Loans and advances are financial instruments provided by banks and financial institutions to individuals and businesses.
Loans are funds provided by lenders to borrowers, which are typically repaid with interest over a specified period of time.
Advances are short-term loans provided by banks to businesses to meet their immediate working capital needs.
Loans and advances can be secured or unsecured, depending on whether co...
Interview Preparation Tips
and search more about the bank
(1 Question)
- Q1. Tell me about yourself, what is dscr, ATNW, working capital cycle
(2 Questions)
- Q1. Tell me about your self
- Ans. My name is baswaraju Sai Prasad. I am from nalgonda Telangana. Coming to my graduation: I completed my bcom computers in mgu University.And MBA finance completed in Osmania University Hyderabad. My hobbies are playing badminton, reading Telugu newspaper, listening music while traveling to anywhere. After my post graduation I did in big bazaar as a fashion department only 3 months and after that I worked in MPDO office ...
- Q2. How much CTC your are expecting
- Ans.
I am expecting a competitive salary based on my experience and qualifications.
I am looking for a salary that is in line with industry standards for a Credit Manager role
I am open to negotiation based on the overall compensation package offered
I am seeking a salary that reflects my skills, experience, and the responsibilities of the position
(1 Question)
- Q1. What is CTC before company and now how much your are expecting
- Ans. Before I got 1lac change.Now I am expecting 3.5 to 4lacs per annum
Interview Preparation Tips
(2 Questions)
- Q1. Underwriting Ratio analysis
- Q2. Ratio analysis , DSCR
I applied via Referral and was interviewed in Oct 2023. There were 2 interview rounds.
(2 Questions)
- Q1. Basics details of ICICI Bank
- Q2. Tell me about yourself
ICICI Bank Interview FAQs
The duration of ICICI Bank Credit Manager interview process can vary, but typically it takes about less than 2 weeks to complete.
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ICICI Bank Credit Manager Interview Process
based on 16 interviews in last 1 year
2 Interview rounds
- One-on-one Round
- HR Round
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ICICI Bank Credit Manager Reviews and Ratings
based on 547 reviews
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