IDFC FIRST Bank Senior Relationship Manager Interview Questions and Answers

Working capital loan processing involves assessing the borrower's financials and determining the appropriate loan amount and repayment terms.

• Assess the borrower's financials, including cash flow, revenue, and expenses

• Determine the appropriate loan amount and repayment terms based on the borrower's financials and creditworthiness

• Consider various methods of working capital financing, such as lines of credit, invoice fina...read more

DER, DSCR, and other financial ratios are important for assessing a company's financial health.

• DER (Debt-to-Equity Ratio) measures a company's leverage and indicates how much debt is used to finance assets.

• DSCR (Debt Service Coverage Ratio) measures a company's ability to pay its debt obligations and indicates the amount of cash flow available to cover debt payments.

• Other financial ratios like Current Ratio, Quick Rati...read more

Risk mitigation factors in credit appraisal

• Assessing creditworthiness of borrower

• Collateral evaluation

• Credit history check

• Industry and market analysis

• Financial analysis of borrower

• Loan structuring and covenants

• Regular monitoring and review

I will manage customer relations by building strong rapport, addressing concerns promptly, and providing personalized solutions.

• Building strong rapport with clients through regular communication and personalized interactions

• Addressing customer concerns promptly and effectively to ensure satisfaction

• Providing personalized solutions to meet the unique needs and preferences of each client

• Seeking feedback from customers to

I will generate business from customers by building strong relationships, understanding their needs, offering tailored solutions, and providing excellent customer service.

• Build strong relationships with customers through regular communication and personalized interactions

• Understand the specific needs and goals of each customer to offer tailored solutions

• Proactively reach out to customers with new products or services t...read more