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posted on 7 Jan 2025
Underwriting. Personal Information
What is your full name, Social Security Number, and date of birth?
Are you a U.S. citizen or permanent resident?
Why they ask: To verify your identity and eligibility for a mortgage.
2. Income and Employment
What is your annual income?
Are you employed, self-employed, or retired?
How long have you been at your current job?
Why they ask: To ensure you have a steady income to repay the loan.
3. Credit History
What is your credit score?
Do you have any outstanding loans, credit card debt, or missed payments?
Have you ever declared bankruptcy or had a foreclosure?
Why they ask: To assess your ability and reliability to repay the loan.
4. Assets and Savings
How much money do you have in savings, investments, or retirement accounts?
Do you own any other properties or assets?
Why they ask: To confirm you have enough funds for a down payment, closing costs, and emergency reserves.
5. Property Details
What is the purchase price of the home?
Are you buying a primary residence, second home, or investment property?
What is the home’s address and type (e.g., single-family, condo)?
Why they ask: To evaluate the value and purpose of the property as collateral for the loan.
6. Debts and Expenses
What are your monthly expenses, including rent, utilities, and other bills?
Do you owe child support or alimony?
Why they ask: To calculate your debt-to-income (DTI) ratio and ensure you can afford the mortgage payments.
7. Down Payment
How much are you planning to put down as a down payment?
Are the funds coming from your savings or a gift?
Why they ask: To verify you have a sufficient down payment and its source is legitimate.
8. Insurance and Taxes
Do you have homeowners insurance lined up?
Are you aware of the property taxes in the area?
posted on 7 Jan 2025
I applied via Recruitment Consulltant and was interviewed in Dec 2024. There were 2 interview rounds.
I applied via Campus Placement and was interviewed before Jan 2024. There were 4 interview rounds.
Two data structure and algorithms questions, and one SQL query question.
I was interviewed in Nov 2024.
Here’s a simple framework to approach a case study effectively:
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Case Study Framework
1. Understand the Problem
Read the case thoroughly and identify the key issue.
Ask clarifying questions if needed (if in a live setting).
Summarize the problem in your own words.
2. Analyze the Situation
SWOT Analysis (Strengths, Weaknesses, Opportunities, Threats)
Identify relevant stakeholders.
Gather data or key insights from the case text.
3. Identify Alternatives
Brainstorm possible solutions to the problem.
Consider multiple approaches (e.g., short-term vs. long-term solutions).
4. Evaluate the Alternatives
Weigh the pros and cons of each solution.
Assess feasibility, costs,
Common performance issues in a system include slow response times, high resource usage, bottlenecks, and crashes.
Slow response times can be caused by inefficient code, network latency, or overloaded servers.
High resource usage can lead to system slowdowns and crashes, often caused by memory leaks or inefficient algorithms.
Bottlenecks occur when a component of the system becomes a limiting factor, such as a database ser...
I have experience in identifying and resolving software bugs through thorough testing and collaboration with developers.
Identifying bugs by reproducing issues reported by users
Collaborating with developers to understand root cause of bugs
Testing bug fixes to ensure they are effective
Utilizing bug tracking tools like Jira or Bugzilla
Experience with regression testing to prevent reoccurrence of bugs
Shortcut Tips for Coding Tests: 1. Master the Basics: Familiarize yourself with arrays, strings, loops, and conditional statements. 2. Learn Patterns: Concentrate on sliding window, two-pointer techniques, recursion, and divide-and-conquer methods. 3. Use Standard Algorithms: Study breadth-first search (BFS), depth-first search (DFS), sorting algorithms, and dynamic programming principles. 4. Understand Data Structures: Practice with stacks, queues, linked lists, and trees. 5. Practice Edge Cases: Consider scenarios involving empty inputs, duplicates, and large datasets. 6. Write Pseudocode: Outline your plan before starting to code. 7. Optimize Early: Always strive for efficiency in your solutions.
I applied via campus placement at Kumaraguru College of Technology, Coimbatore and was interviewed in Nov 2024. There were 2 interview rounds.
The group discussion was conducted on the basic topic of "Education System in India." After announcing the topic, the HR provided three minutes for preparation, during which participants were allowed to take notes. Subsequently, each person spoke about the topic for 30 seconds. Following the individual presentations, a three-minute discussion took place among the members.
Securities are financial instruments that represent ownership or debt in a company or government entity.
Securities can include stocks, bonds, options, and futures.
They are bought and sold on financial markets.
Investors purchase securities as a way to potentially earn a return on their investment.
Securities can be issued by corporations, governments, or other organizations.
They provide investors with the opportunity to ...
Repo rate is the rate at which the central bank lends money to commercial banks, while reverse repo rate is the rate at which the central bank borrows money from commercial banks.
Repo rate is used by the central bank to control inflation and money supply in the economy.
Reverse repo rate is used to absorb excess liquidity from the market.
Changes in repo rate and reverse repo rate influence the interest rates in the econ...
Stocks represent ownership in a single company, while mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities.
Stocks represent ownership in a single company, giving investors the potential for high returns but also higher risk.
Mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities, redu...
I am a Relationship Manager with a strong background in finance and customer service. My family is supportive and close-knit.
Experienced Relationship Manager in finance industry
Skilled in customer service and building client relationships
Close-knit and supportive family background
posted on 13 Dec 2024
I applied via Recruitment Consulltant and was interviewed in Nov 2024. There was 1 interview round.
Experienced internal auditor with a background in finance and risk management.
Over 5 years of experience in internal auditing
Strong background in finance and risk management
Skilled in conducting audits, identifying risks, and implementing controls
Proficient in analyzing financial data and preparing reports
Excellent communication and interpersonal skills
During my articleship, I engaged in various activities such as auditing financial statements, conducting internal control reviews, and assisting in risk assessment.
Auditing financial statements
Conducting internal control reviews
Assisting in risk assessment
The process of conducting an internal audit involves planning, executing, reporting, and follow-up.
Plan the audit by defining objectives, scope, and methodology.
Gather relevant data and evidence through interviews, document reviews, and observations.
Analyze the data to identify risks, control weaknesses, and areas for improvement.
Report findings to management and recommend corrective actions.
Follow up on implementation...
Internal audits are conducted by internal staff to evaluate and improve the effectiveness of risk management, control, and governance processes within an organization, while statutory audits are required by law and are conducted by external auditors to ensure compliance with financial reporting standards.
Internal audits are conducted by internal staff, while statutory audits are conducted by external auditors.
Internal ...
I applied via LinkedIn and was interviewed in Nov 2024. There were 2 interview rounds.
Basic qsns and answers and personality test
posted on 5 Dec 2024
It was not difficult,Basic questions are there.
Topic they are giving related to current situations.
posted on 5 Jan 2025
I applied via Job Portal and was interviewed before Jan 2024. There were 2 interview rounds.
I applied via campus placement at Birla Institute of Technology and Science (BITS), Pilani and was interviewed in Sep 2024. There was 1 interview round.
I am a skilled DOT NET Developer with 5 years of experience in developing web applications and software solutions.
5 years of experience in DOT NET development
Proficient in developing web applications and software solutions
Strong knowledge of C#, ASP.NET, MVC, and SQL Server
Experience with front-end technologies like HTML, CSS, and JavaScript
Familiar with Agile development methodologies
I have worked on various projects including e-commerce websites, inventory management systems, and data analysis tools.
Developed e-commerce website using ASP.NET MVC and SQL Server for backend
Implemented inventory management system using C# and Entity Framework
Created data analysis tool using LINQ and JavaScript for frontend
OOPS concepts used in projects include inheritance, encapsulation, polymorphism, and abstraction.
Inheritance: Reusing code by creating a new class based on an existing class.
Encapsulation: Restricting access to certain components of an object.
Polymorphism: Objects of different classes can be treated as objects of a common superclass.
Abstraction: Hiding the implementation details and showing only the necessary features.
SQL is a programming language used for managing and manipulating databases.
SQL stands for Structured Query Language
It is used to communicate with databases to perform tasks like querying data, updating data, and creating databases
Common SQL commands include SELECT, INSERT, UPDATE, DELETE
SQL is used in various database management systems like MySQL, SQL Server, Oracle
Bajaj Finserv
Wells Fargo
JPMorgan Chase & Co.
Motilal Oswal Financial Services