Kinara Capital Assistant Credit Manager Interview Questions and Answers

Q1. Market knowledge about loan products.
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Q2. Types of credit assessment and methods to evaluate applicant cash flow and intention on repayment.
Ans. 
Credit assessment involves analyzing applicant's cash flow and repayment intentions through various methods.
• Types of credit assessment include credit reports, financial statements, and credit scoring models.

• Methods to evaluate applicant cash flow include analyzing income sources, expenses, and debt obligations.

• To assess repayment intentions, lenders may consider credit history, employment stability, and willingness to ...read more
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Q1. Stability review in previous company
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Q2. Attitude and intention and work ethics
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Focus on financial management topic

In which our knowledge put as per situation

Q1. Previous year skills and salary
Ans. 
The candidate should discuss their skills and salary from the previous year.
• Discuss the relevant skills acquired in the previous year.

• Mention any certifications or training completed.

• Highlight achievements or projects completed.

• Discuss the salary range from the previous year.

• Explain any salary increments or bonuses received.
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Q1. Skills and knowledge of product
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Q2. Grip on work and product also team handles
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Q1. Previous experience
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Q2. Refered person name in previous company
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Q1. Salary expected
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Q2. Work experience
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Q1. About loan , basic genral knowledge questions regarding finance
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Q1. If u r fresher then normal basic questions about accounting, finance and loan knowledge
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Q1. He is asking about credit policy
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Q2. Ask about ca
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Q3. What about pd customer background verification
Ans. 
Background verification of pd customers is an essential step in assessing creditworthiness.
• Background verification helps in evaluating the financial history and creditworthiness of potential customers.

• It involves checking the customer's credit score, payment history, and any outstanding debts.

• Verification may also include contacting references, employers, and conducting criminal record checks.

• The process helps in minim...read more
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Q4. What about cible
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Q5. Underwriter and followp policy
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Q1. About your self
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Q2. Why you want to change job
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Q3. What's your hobbies
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Q4. Weakness and strength
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Q5. Your notice period
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Q1. Brief on kind of work done in earlier job
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Q2. How would to assess a credit proposal?
Ans. 
Assessing a credit proposal involves analyzing the borrower's financial history, creditworthiness, and ability to repay the loan.
• Review the borrower's credit report and score

• Analyze the borrower's income and expenses

• Evaluate the purpose of the loan and the borrower's ability to repay it

• Consider any collateral or guarantors offered by the borrower

• Assess the overall risk of the loan and make a recommendation
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