Kinara Capital Credit Officer Interview Questions and Answers

Loans are financial agreements where a lender provides funds to a borrower, who agrees to repay the loan with interest over a set period of time.

• Loans involve a lender providing funds to a borrower, who agrees to repay the loan amount along with interest.

• There are different types of loans such as personal loans, home loans, car loans, and business loans.

• Interest rates on loans can be fixed or variable depending on the ...read more

To check a bank statement, log in to your online banking account or visit a branch to request a printed statement.

• Log in to your online banking account using your username and password

• Navigate to the section where you can view your account statements

• Select the time period for which you want to view the statement

• Download or print the statement for your records

• If you prefer a printed statement, visit a branch and request

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

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