ITI Finance Credit Risk Analyst Interview Questions and Answers

Q1. In which type of industry you had your articleship experience
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Q1. Experience with Cloud services
Ans. 
I have experience working with cloud services such as AWS, Azure, and Google Cloud.
• Managed data storage and processing on AWS S3 and EC2 instances

• Utilized Azure Machine Learning for predictive modeling

• Implemented Google Cloud Platform for real-time data analytics
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Q2. Familiarity with PySpark
Ans. 
PySpark is a Python API for Apache Spark, used for big data processing and analytics.
• PySpark is a Python API for Apache Spark, a distributed computing system.

• It allows for parallel processing of large datasets using Spark's distributed framework.

• PySpark provides high-level APIs in Python for Spark programming, making it easier to work with big data.

• Example: PySpark can be used for data preprocessing, machine learning,
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They ask about credit analysis

Q1. Why should we hire you?
Ans. 
I have a strong background in credit analysis and risk assessment, with a proven track record of making sound lending decisions.
• I have X years of experience in credit analysis and risk assessment.

• I have a proven track record of making sound lending decisions.

• I am detail-oriented and have strong analytical skills.

• I am familiar with industry regulations and compliance standards.

• I have excellent communication and interper...read more
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Q2. Why do you think your growth will be here?
Ans. 
I believe my growth will be here due to my strong work ethic, dedication to learning, and ability to adapt to new challenges.
• I have a proven track record of exceeding targets and taking on additional responsibilities in my previous roles.

• I am constantly seeking out opportunities for professional development and further education to enhance my skills.

• I am adaptable and thrive in fast-paced environments, which will allow
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Q1. What is OTC and its functions
Ans. 
OTC stands for Over-The-Counter and refers to the trading of financial instruments directly between two parties without the involvement of an exchange.
• OTC trading is done through a dealer network rather than a centralized exchange

• OTC markets are less regulated than exchange-traded markets

• OTC markets include trading of stocks, bonds, derivatives, and currencies

• OTC trading allows for greater flexibility in terms of contr...read more
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Q2. Ageing bucket means and characteristics
Ans. 
Ageing bucket refers to the categorization of overdue debts based on the number of days they have been outstanding.
• Ageing bucket is used to track the payment status of accounts receivable.

• It helps in identifying the accounts that are overdue and need immediate attention.

• The buckets are usually categorized as 0-30 days, 31-60 days, 61-90 days, and 90+ days.

• The longer the debt remains unpaid, the higher the risk of defau...read more
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Q1. Introduction - About yourself
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Q2. Knowledge about Current Job profile
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Q1. Accounting Knowledge - Lease Liability, Off-Balance Sheet, Related Party Transaction
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Spreading of Financial statement in shared format.

Q1. Tell me about your self
Ans. 
I am a detail-oriented and analytical individual with a strong background in credit and risk analysis.
• Strong analytical skills

• Detail-oriented

• Background in credit and risk analysis
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Q2. Why are you join this company
Ans. 
I am excited to join this company because of its strong reputation in the industry and the opportunities for growth and development.
• Strong reputation in the industry

• Opportunities for growth and development

• Excited about the company's values and culture
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