JM FINANCIAL HOME LOANS Senior Relationship Manager Interview Questions and Answers

Q1. Tell me about yourself? If hired how will you grow the business? Basic questions on MF insurance and Banking.
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Q2. Career objective questions.
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Q1. Discussion on compensation. Discussion on opportunities with bank
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Q2. Perks and benefits with bank
Ans. 
Perks and benefits at the bank include competitive salary, health insurance, retirement plans, and professional development opportunities.
• Competitive salary

• Health insurance

• Retirement plans

• Professional development opportunities
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Q1. Tell. Me about yourself
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Q2. Why you leave your previous organisation
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Q3. Why there is gap in your cv
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Q4. How the eligibility is calculated for loan
Ans. 
Loan eligibility is calculated based on factors like credit score, income, employment history, and debt-to-income ratio.
• Credit score is a major factor in determining loan eligibility

• Income level plays a significant role in determining the amount of loan one can qualify for

• Employment history is considered to assess stability and ability to repay the loan

• Debt-to-income ratio is used to evaluate the borrower's ability to ...read more
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Q5. What are the products you were handling
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I have experience handling a variety of financial products including loans, credit cards, savings accounts, and investment products.
• Loans

• Credit cards

• Savings accounts

• Investment products
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Q6. Target achievement done per month
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Q7. What is sales process
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Sales process is a systematic approach to selling a product or service, involving multiple steps from prospecting to closing the deal.
• Identifying potential leads or prospects

• Qualifying leads to determine if they are a good fit for the product or service

• Presenting the product or service to the prospect

• Handling objections and addressing concerns

• Closing the deal and following up with the customer

• Building and maintaining r
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Q8. Why you want to join au bank
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Q9. Why should we hire you
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Q10. Salary expectation
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Q1. Previous experience
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Q2. Why joining indusInd bank
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78% of employees would recommend working at IDFC first bank to a friend and 81% have a positive outlook for the business.

Q1. Why do you want to join IDFC?
Ans. If you want to join a team that is passionate and able beyond the sum of individual capabilities you are at the right place.
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Q1. What are your career goals
Ans. Career goals are targets.things, positive situations related to your professional life that you have set your mind on achieving.
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Q1. What's the key role of relationship manager
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Q1. Mutual fund details
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Q1. Insurance selling pitch
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Q1. Questions on Professional experience
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Q2. How you will process a working capital loan and what are various methods.
Ans. 
Working capital loan processing involves assessing the borrower's financials and determining the appropriate loan amount and repayment terms.
• Assess the borrower's financials, including cash flow, revenue, and expenses

• Determine the appropriate loan amount and repayment terms based on the borrower's financials and creditworthiness

• Consider various methods of working capital financing, such as lines of credit, invoice fina...read more
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Q3. Definitions of DER, DSCR, and other financial ratios and it's importance.
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DER, DSCR, and other financial ratios are important for assessing a company's financial health.
• DER (Debt-to-Equity Ratio) measures a company's leverage and indicates how much debt is used to finance assets.

• DSCR (Debt Service Coverage Ratio) measures a company's ability to pay its debt obligations and indicates the amount of cash flow available to cover debt payments.

• Other financial ratios like Current Ratio, Quick Rati...read more
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Q4. What are the Risk mitigation factors in credit appraisal.
Ans. 
Risk mitigation factors in credit appraisal
• Assessing creditworthiness of borrower

• Collateral evaluation

• Credit history check

• Industry and market analysis

• Financial analysis of borrower

• Loan structuring and covenants

• Regular monitoring and review
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Q5. Why you are choosing ICICI Bank, any specific reason
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Q6. Why you are leaving from your current organisation and what are reasons
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Q7. How you are assuming the future in ICICI
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Q8. Why should I consider you?
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Q1. About loans how do you find the customer
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Q2. Home loan details what we need documents and all
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Q1. Explained about job role
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Q2. Ask about me an willing to work
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Q3. If i give this job are you ready to join
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