IndusInd Bank Area Credit Manager Interview Questions and Answers

Q1. About process and product
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Maths and reasoning questions

Q1. Finance related questions
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Q2. Cibil related questions
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Q3. About family background
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Q1. Can you provide some information about yourself?
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Q2. What is your experience related to this field?l
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Q3. Your achievements
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Reasoning, logical, and mathematical skills.

Q1. What is your current salary, and how would you like to discuss it?
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Q1. Why Bank of Baroda
Ans. 
Bank of Baroda is a reputable and established financial institution with a strong presence in the market.
• Bank of Baroda has a long history of providing reliable banking services to customers.

• The bank has a strong reputation for its ethical practices and customer-centric approach.

• Bank of Baroda offers a wide range of financial products and services to meet the diverse needs of customers.

• The bank has a strong presence bo...read more
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Q2. Why wholesale Banking
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Wholesale banking offers exposure to a wide range of industries and financial products, providing a challenging and dynamic work environment.
• Opportunity to work with diverse clients and industries

• Involvement in complex financial transactions and structures

• Exposure to a variety of financial products such as loans, trade finance, and treasury services

• Opportunity for career growth and development in a fast-paced environme
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Q1. Introduction and knowledge
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Q2. Credit Underwriting
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Q1. About your self
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Q2. Work experience
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Q1. What documents to take for loan applications
Ans. 
Documents required for loan applications include proof of income, identification, credit history, and collateral.
• Proof of income such as pay stubs or tax returns

• Identification documents like driver's license or passport

• Credit history report from credit bureaus

• Collateral documentation for secured loans
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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
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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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