Kotak Mahindra Bank Credit Manager Interview Questions, Process, and Tips

DSCR stands for Debt Service Coverage Ratio. It is a financial ratio used to measure a company's ability to pay its debts.

• DSCR is calculated by dividing a company's net operating income by its total debt service.

• A DSCR of 1 or higher indicates that a company is generating enough income to cover its debt obligations.

• Lenders often use DSCR to assess the creditworthiness of a borrower before approving a loan.

• For example, ...read more

Cash flow is tracked by monitoring inflows and outflows of cash, analyzing financial statements, and forecasting future cash needs.

• Monitor daily cash inflows and outflows

• Analyze financial statements to identify trends and potential cash flow issues

• Forecast future cash needs based on business plans and projections

• Implement cash management strategies to optimize cash flow

• Utilize accounting software to track and manage ca...read more

Current ratio is a financial ratio that measures a company's ability to pay its short-term liabilities with its short-term assets.

• Current ratio is calculated by dividing current assets by current liabilities.

• A higher current ratio indicates that a company has more current assets than current liabilities, which means it is better equipped to pay off its short-term debts.

• A lower current ratio may indicate that a company ...read more

Assessing financial viability of a company involves analyzing its financial statements, industry trends, and management practices.

• Review financial statements such as balance sheet, income statement, and cash flow statement

• Analyze industry trends and competition to understand market position

• Evaluate management practices and leadership to assess decision-making and risk management

• Consider external factors such as economi...read more