ICICI Bank Gold Loan Executive Interview Questions and Answers

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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IBPS takes test moderate to high

Q1. Assessment of working capital
Ans. 
Assessment of working capital involves analyzing a company's current assets and liabilities to determine its ability to meet short-term financial obligations.
• Calculate working capital by subtracting current liabilities from current assets.

• A positive working capital indicates the company has enough assets to cover its short-term debts.

• A negative working capital may signal financial trouble and the need for additional fu...read more
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Q2. Why do you wan tot join banj
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Q1. Type of Charge?
Ans. 
Type of charge refers to the nature of the financial obligation, such as fixed or floating charge.
• Type of charge can be fixed or floating.

• Fixed charge is a specific charge on particular assets of a company, while floating charge is a charge on a class of assets that change from time to time.

• Examples of fixed charges include mortgages and debentures, while examples of floating charges include inventory and accounts rece...read more
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Q2. What is the role of CERSAI portal?
Ans. 
CERSAI portal is a centralized platform for registering and maintaining security interests created by lenders on movable assets.
• CERSAI stands for Central Registry of Securitization Asset Reconstruction and Security Interest of India.

• It helps in creating a central registry of security interests on movable assets to prevent fraud and improve transparency in lending.

• Lenders are required to register their security interest...read more
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Q1. Tell me about your previous assigmenment
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Q2. Technical are raised
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Written Entrance Exam for officer with subjects English, Logical Reasoning, Mathematics, General knowledge and Banking Awareness with Current Affairs and Computer Science. I was Selected in Merit. Got 54th Rank in Gen Category

Q1. Interview was all about my Past experience and my previous job profile as I was already working in Banking Sector prior to joining in SBI. Based on my experience and satisfactory answers to the questions a...read more
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Q2. What is Turnover Method? What is Second Method of Lending? How to process a Working Capital Loan? How did you canvassed Current account in your previous organisation? Why you want to Join SBI?
Ans. 
Turnover Method is a method used by lenders to evaluate a borrower's creditworthiness based on their annual sales turnover.
• Turnover Method involves calculating a borrower's credit limit based on a percentage of their annual sales turnover.

• Second Method of Lending involves assessing a borrower's creditworthiness based on their financial statements, cash flow projections, and collateral.

• Processing a Working Capital Loan ...read more
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Q1. Basic information and about yourself
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Q2. Explain about yourself and background
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