Indian Bank Credit Manager Interview Questions and Answers

Q1. Self introduction
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Q2. About Previous job
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Q3. Job change reason
Ans. 
Seeking new challenges and growth opportunities in a larger organization.
• Desire for career advancement

• Looking for new challenges

• Seeking growth opportunities

• Interested in larger organization with more resources
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Q4. Policy polrocess related
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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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Credit related questions

Market strategy business development

Business penetration Maintain

Q1. How would you analyse a company if tou want to give term loan? What if cashflow is negative, will yo lend? Dscr How would you analyse a company
Ans. 
To analyze a company for a term loan, consider factors like cash flow, debt service coverage ratio (DSCR), financial statements, industry trends, and management quality.
• Examine the company's financial statements to assess its profitability, liquidity, and leverage.

• Calculate the debt service coverage ratio (DSCR) to determine if the company generates enough cash flow to cover its debt obligations.

• Evaluate the company's ...read more
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Q1. Tell me about yourself
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Q2. How will you analyse a Balance Sheet
Ans. 
Analyzing a balance sheet involves examining assets, liabilities, and equity to determine financial health.
• Start by calculating the current ratio to assess liquidity

• Examine the debt-to-equity ratio to evaluate leverage

• Analyze the inventory turnover ratio to assess efficiency

• Look at the return on equity to evaluate profitability

• Compare the balance sheet to previous periods and industry benchmarks

• Consider any off-balance...read more
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Q1. I like the company I am smart work I like cricket
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Q2. Good company in of I'll
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Q1. Experience Sallary negotiation Credit policies About ujjvan
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