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Kotak Mahindra Bank Credit Processing Associate Interview Questions, Process, and Tips
Top Kotak Mahindra Bank Credit Processing Associate Interview Questions and Answers
- Q1. What is the formula of Cost of goods sold?
- Q2. What is difference between AY FY?
- Q3. Do you have knowledge of banking industry
Kotak Mahindra Bank Credit Processing Associate Interview Experiences
3 interviews found
(5 Questions)
- Q1. Do you have knowledge of banking industry
- Ans.
Yes, I have knowledge of the banking industry.
I have a degree in finance and have worked in banking for 5 years.
I am familiar with banking regulations and procedures.
I have experience in credit processing and loan approvals.
I have attended industry conferences and workshops to stay updated on industry trends.
- Q2. Do you know the market
- Ans.
Yes, I am familiar with the market trends, competitors, and customer preferences.
I regularly research market trends and competitor activities to stay updated
I analyze customer feedback and preferences to understand market demands
I attend industry conferences and networking events to stay connected with market influencers
- Q3. Do you belong to commerce background
- Q4. Have ever seen audited financial statements
- Ans.
Yes, I have seen audited financial statements during my previous role as a financial analyst.
Yes, I have reviewed audited financial statements as part of my job responsibilities.
I have experience analyzing financial data and ensuring accuracy in financial reports.
I am familiar with the process of auditing financial statements to ensure compliance with regulations and standards.
- Q5. Do you know banking terms
- Ans.
Yes, I am familiar with banking terms.
I am familiar with terms like APR, overdraft, collateral, and interest rates.
I understand terms related to credit processing such as credit score, credit limit, and credit utilization.
I am knowledgeable about terms like debit card, savings account, checking account, and loan.
I have experience with terms like mortgage, compound interest, principal, and escrow.
(1 Question)
- Q1. Tell me about your self.
I applied via Referral and was interviewed before Jan 2021. There was 1 interview round.
Interview Questionnaire
4 Questions
- Q1. You should be know the financials like current assets, lalibilites secured, unsecured Loans
- Q2. What is the formula of Cost of goods sold?
- Ans.
The formula for Cost of Goods Sold (COGS) is the beginning inventory plus purchases minus ending inventory.
COGS = Beginning Inventory + Purchases - Ending Inventory
Beginning Inventory refers to the value of inventory at the start of the accounting period
Purchases represent the cost of additional inventory acquired during the period
Ending Inventory is the value of inventory at the end of the accounting period
COGS is an ...
- Q3. What is difference between AY FY?
- Ans.
AY and FY are abbreviations used in financial contexts to refer to different time periods.
AY stands for Assessment Year, which is the year in which income is assessed for tax purposes.
FY stands for Financial Year, which is the year in which financial statements are prepared.
AY is used in the context of income tax calculations, while FY is used in the context of financial reporting.
For example, if the financial year is ...
- Q4. What is the profit?
- Ans.
The profit is the financial gain obtained by subtracting the total cost from the total revenue.
Profit = Total Revenue - Total Cost
It is a measure of financial success for a business or individual
It can be expressed as a percentage of revenue or cost
Example: If a company earns $100,000 in revenue and incurs $80,000 in costs, the profit is $20,000
Example: If a product costs $50 to produce and is sold for $75, the profit
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Selected
I applied via Referral and was interviewed in Nov 2023. There was 1 interview round.
(2 Questions)
- Q1. Do you know how to study any company's financials?
- Ans.
Yes, I know how to study a company's financials.
Start by reviewing the company's annual reports, 10-K filings, and quarterly earnings reports.
Analyze key financial statements such as the income statement, balance sheet, and cash flow statement.
Look for important financial ratios like profitability ratios, liquidity ratios, and leverage ratios.
Compare the company's financial performance to industry benchmarks and compet...
- Q2. Where is turnover written in the balance sheet?
- Ans.
Turnover is not specifically written in the balance sheet, but it can be calculated using information from the income statement.
Turnover is typically calculated as the total sales revenue generated by a company during a specific period.
To calculate turnover, you would look at the income statement to find the total sales revenue and divide it by the average total assets for the same period.
The resulting turnover ratio p...
Interview Preparation Tips
Credit Processing Associate Interview Questions & Answers
ICICI Bank
Anonymous
posted on 20 Dec 2023
Selected
I applied via Walk-in and was interviewed in Nov 2023. There were 2 interview rounds.
(1 Question)
- Q1. About yours self and what do you pressure handling
Interview Preparation Tips
Selected
I applied via Approached by Company and was interviewed in Jul 2024. There was 1 interview round.
(5 Questions)
- Q1. What is the difference between OD and VC?
- Q2. How you determine drawing power?
- Q3. What is DLOD?
- Q4. What is Leverage ratio?
- Q5. Why do you what to switch job?
Sumit Kumar
Reasoning, quantitative skills, and English language proficiency.
(1 Question)
- Q1. How should one prepare for analyzing financial statements, balance sheets, and assessing limits?
Selected
(2 Questions)
- Q1. How do you fund a applicant
- Ans.
Funding an applicant involves evaluating their creditworthiness and determining the appropriate amount and terms of the loan.
Evaluate the applicant's credit history, income, and debt-to-income ratio
Determine the appropriate loan amount based on the applicant's financial situation
Decide on the terms of the loan including interest rate, repayment period, and collateral requirements
Obtain necessary documentation such as p...
- Q2. Ratios analysis , banking analaysis
Interview Preparation Tips
akshay nagdeve
Selected
I applied via Referral and was interviewed in Sep 2024. There were 2 interview rounds.
Verbal and novarbal questions
(2 Questions)
- Q1. About your self?
- Q2. Tell about your previous experience?
Interview Preparation Tips
- Previous experience
Selected
I applied via Walk-in and was interviewed in Apr 2024. There was 1 interview round.
(4 Questions)
- Q1. Self introduction
- Q2. About Previous job
- Q3. Job change reason
- Ans.
Seeking new challenges and growth opportunities in a larger organization.
Desire for career advancement
Looking for new challenges
Seeking growth opportunities
Interested in larger organization with more resources
- Q4. Policy polrocess related
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