IDFC FIRST Bank Credit Officer Interview Questions and Answers

Verbal and novarbal questions

Q1. About your self?
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Q2. Tell about your previous experience?
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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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No duration some math and GK questions

Q1. Apne bare m btao, Famile ke baare m btao in hindi.
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Q2. No other Question just description by Regional Head
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Q1. Basic hr and technical questions
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Q2. What is lgd, pd
Ans. 
LGD stands for Loss Given Default and PD stands for Probability of Default. They are key metrics used in credit risk assessment.
• LGD (Loss Given Default) represents the percentage of a loan that is lost if the borrower defaults.

• PD (Probability of Default) is the likelihood that a borrower will default on a loan within a given time frame.

• Both LGD and PD are important factors in determining the overall credit risk of a bo...read more
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Football in india and how government can promote other games

Q1. How you handle in different pressure?
Ans. 
I handle pressure by staying organized, prioritizing tasks, and maintaining a positive attitude.
• I prioritize tasks based on deadlines and importance

• I break down complex tasks into smaller, manageable steps

• I communicate effectively with team members to delegate tasks and share workload

• I take short breaks to recharge and refocus when feeling overwhelmed

• I maintain a positive attitude and focus on finding solutions rather
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Study well about Financial like ITR , Audit report,3CB,3CD, P&L , B/S,GST3B, CAM PREPARATION,Kyc related, Basic LAP,HL Policy, mortgage lending,CIBIL,crif

Cibil score scenario discuss and

Q1. About salary increment
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Q2. Discussed about how was past experience
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Q1. Job profile what I was doing
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Q2. What is mpbf method
Ans. 
MPBF method stands for Maximum Permissible Bank Finance method used to calculate the maximum amount of loan that can be sanctioned to a borrower.
• MPBF is calculated based on the borrower's working capital cycle, inventory holding period, receivables collection period, and payables deferral period.

• It is used by banks to determine the maximum amount of loan that can be sanctioned to a borrower.

• MPBF method helps in assessi...read more
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