IndusInd Bank Credit Manager Interview Questions and Answers

Q1. Not wants to disclose.
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Q2. Dont want to disclose
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Q3. Do not want to disclose
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Q1. Do not want to disclose
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Q1. Introduction and knowledge
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Q2. Credit Underwriting
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Previous company related

Q1. Experience related
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Q2. How many years
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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
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. Details about corporate mortgage
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Q2. Corporate customer documents verification for term loans
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Multiple choice questions