Indian Overseas Bank Manager Interview Questions and Answers

Q1. What is your hobby
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Q2. What is last year appraisal
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Q1. Sector analysis based on current experience
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Financial cash flow model build from scratch

Interview test on case study

Q1. Background related questions, education, family etc
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Online exam for customer responses

Current role discussion

Q1. Current role discussion
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Q2. Package discussion
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Q1. Basic profile related questions
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Q2. Credit audit related questions
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Q3. Method of credit appraisal
Ans. 
Credit appraisal involves evaluating the creditworthiness of a borrower before approving a loan.
• Assessing the borrower's credit history, including past loans and repayment behavior

• Analyzing the borrower's income and financial stability

• Reviewing the borrower's debt-to-income ratio

• Considering the purpose of the loan and the borrower's ability to repay

• Using credit scoring models to determine risk level

• Verifying the borrow
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Q4. Basic ratios used in credit assessments
Ans. 
Basic ratios used in credit assessments include debt-to-income ratio, loan-to-value ratio, and credit utilization ratio.
• Debt-to-Income Ratio: Compares an individual's monthly debt payments to their monthly income.

• Loan-to-Value Ratio: Compares the amount of a loan to the appraised value of the asset being purchased.

• Credit Utilization Ratio: Compares the amount of credit being used to the total amount of credit available
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Q5. Knowledge of business segment
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Q1. Examples of how will you act in situations
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Q1. Current Lending scenario in the country
Ans. 
The current lending scenario in the country is characterized by low interest rates, increased competition among lenders, and a growing trend towards digital lending platforms.
• Interest rates are at historic lows, leading to increased borrowing activity.

• Traditional banks are facing stiff competition from online lenders and fintech companies.

• Digital lending platforms are gaining popularity due to their convenience and qui...read more
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Q1. Tell me about yourself and Experience journey.
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