Kogta Financial India Limited Branch Credit Manager Interview Questions and Answers

Q1. Income assessment done by me ?
Ans. 
Income assessment is a crucial part of my role as a Branch Credit Manager.
• I assess income through pay stubs, tax returns, bank statements, and employment verification.

• I analyze the consistency and stability of income to determine creditworthiness.

• I consider sources of income, such as salary, bonuses, commissions, and rental income.

• I calculate debt-to-income ratios to assess the borrower's ability to repay loans.

• I may a...read more
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Q2. How to do income assessment of Vada Pav Vendor ?
Ans. 
Assessing income of a Vada Pav vendor involves evaluating daily sales, expenses, location, customer base, and competition.
• Calculate average daily sales by observing customer traffic and pricing.

• Consider expenses such as ingredients, rent, utilities, and labor costs.

• Evaluate the location's foot traffic and potential for growth.

• Assess the vendor's customer base and loyalty.

• Analyze competition in the area and pricing stra...read more
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Q1. Discussion credit understanding only
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Q2. Self introduction
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Q3. General discussion
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Q1. Credit appraisal,credit worhiness
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Q2. Maintain branch dignity
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Q3. Approval and rejection
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Q1. Credit appraisal credit worhiness
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All related to decision making,General questions all about decision making, simple arithmetic and reasoning question but you have answer maximum number of questions in very low time that's the main task

Q1. About credit based on your past assignments and related to PD, technical,legal,, CIBIL, other related to credit underwriting and etc.,
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Q2. Credit related questions
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