ICICI Bank Manager Trade Finance Interview Questions and Answers

Q1. What were you looking last organisation.
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Q2. Banking products knowledge
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Q3. Customer handling, sales Banking products.
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Financial related. Banking related questions.

Q1. What is your work experience?
Ans. 
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.
Ans. 
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. About myself work experience?
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Q2. What is the best opportunity of your opinion?
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The best opportunity in my opinion is to leverage technology to streamline operations and improve customer experience.
• Implementing a new CRM system to better track customer interactions and improve communication

• Introducing online banking services to make it easier for customers to manage their accounts remotely

• Utilizing data analytics to identify trends and opportunities for growth

• Investing in employee training and dev
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Q1. Tell me about yourself
Ans. 
Experienced Relationship Manager with a strong background in client relations and business development.
• Over 5 years of experience in managing client portfolios and fostering strong relationships

• Proven track record of exceeding sales targets and driving revenue growth

• Skilled in identifying client needs and providing tailored solutions

• Excellent communication and negotiation skills

• Previous experience in financial services
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Q2. What is your favourite banking product
Ans. 
My favorite banking product is the high-yield savings account.
• I appreciate the competitive interest rates offered by high-yield savings accounts

• I value the ability to easily access my funds while still earning a good return

• Examples include online banks like Ally Bank or Marcus by Goldman Sachs
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Q1. Methods of working capital assessment.
Ans. 
Working capital assessment involves analyzing a company's current assets and liabilities to determine its short-term financial health.
• Calculate current ratio (current assets / current liabilities)

• Analyze cash conversion cycle (CCC)

• Assess inventory turnover ratio

• Review accounts receivable turnover ratio

• Consider operating cash flow
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Q2. How do you source new customer?
Ans. 
I source new customers through networking, referrals, cold calling, and attending industry events.
• Networking: Building relationships with professionals in related industries to gain referrals.

• Referrals: Asking existing customers for recommendations to their contacts.

• Cold calling: Reaching out to potential customers via phone or email.

• Industry events: Attending conferences, trade shows, and seminars to connect with pote
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Q3. What are the important financial ratios and their implications?
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Important financial ratios help assess a company's financial health and performance.
• Liquidity ratios measure a company's ability to meet short-term obligations (ex: current ratio, quick ratio)

• Profitability ratios assess a company's ability to generate profits (ex: return on equity, net profit margin)

• Debt ratios indicate a company's leverage and ability to repay debt (ex: debt to equity ratio, interest coverage ratio)

• Ef...read more
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Q4. Personal and educational background.
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Q1. Technical details computer course 1- MSCIT complete course and Advance Excel ,data analysis, Information Technology any course complete. All the details study information, Graduate complete and MBA Open Un...read more
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Q2. Study, education, information and any solution or any course and skill.
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Q3. 30-40 typing English and Marathi complete course
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Q4. Data analysis course complete.
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