Karur Vysya Bank Area Credit Manager Interview Questions and Answers for Experienced

I handle credit products for various industries.

• I manage credit lines and evaluate creditworthiness for clients in different sectors.

• I analyze financial statements, credit reports, and other relevant data to assess risk.

• I collaborate with sales teams to establish credit terms and conditions for customers.

• I monitor credit limits, payment terms, and collections to ensure timely payments.

• I provide recommendations for cred...read more

I process an average of 50 files per day.

• On average, I handle 50 files daily.

• The number of files I process per day is around 50.

• I typically deal with approximately 50 files each day.

Check points while underwriting

• Evaluate the borrower's credit history and credit score

• Assess the borrower's income and employment stability

• Review the borrower's debt-to-income ratio

• Analyze the borrower's collateral or assets

• Consider the borrower's repayment capacity

• Verify the borrower's financial documents

• Assess the borrower's payment history and credit utilization

• Evaluate the borrower's industry and market conditions