IDFC FIRST Bank Cluster Credit Manager Interview Questions and Answers

Q1. How do you fund a applicant
Ans. 
Funding an applicant involves evaluating their creditworthiness and determining the appropriate amount and terms of the loan.
• Evaluate the applicant's credit history, income, and debt-to-income ratio

• Determine the appropriate loan amount based on the applicant's financial situation

• Decide on the terms of the loan including interest rate, repayment period, and collateral requirements

• Obtain necessary documentation such as p...read more
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Q2. Ratios analysis , banking analaysis
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Q1. Ratio Related, Balance Sheet and P&L related
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Q2. FOIR ratio, LTV, DSCR
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Q1. General Accounting related
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Q2. Accounting related
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Q1. Job role and responsibilities, case studies, job role relavent questions, Banking terms and other knowledge
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Q1. Job role and responsibilities relavent question.
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Q1. Introduction and knowledge
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Q2. Credit Underwriting
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Q1. Refer MSME book iibf
Ans. 
MSME book by IIBF provides comprehensive information on Micro, Small and Medium Enterprises.
• MSME book by IIBF covers various aspects of MSME sector such as financing, credit assessment, risk management, etc.

• It also includes case studies and practical examples to help understand the concepts better.

• The book is a valuable resource for credit managers looking to enhance their knowledge and skills in managing MSME credit.

• I...read more
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Assessment,................

Q1. About yourself, why this Job
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Q1. Salary discussion
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Credit related questions

Market strategy business development

Business penetration Maintain