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posted on 7 Jan 2025
Underwriting. Personal Information
What is your full name, Social Security Number, and date of birth?
Are you a U.S. citizen or permanent resident?
Why they ask: To verify your identity and eligibility for a mortgage.
2. Income and Employment
What is your annual income?
Are you employed, self-employed, or retired?
How long have you been at your current job?
Why they ask: To ensure you have a steady income to repay the loan.
3. Credit History
What is your credit score?
Do you have any outstanding loans, credit card debt, or missed payments?
Have you ever declared bankruptcy or had a foreclosure?
Why they ask: To assess your ability and reliability to repay the loan.
4. Assets and Savings
How much money do you have in savings, investments, or retirement accounts?
Do you own any other properties or assets?
Why they ask: To confirm you have enough funds for a down payment, closing costs, and emergency reserves.
5. Property Details
What is the purchase price of the home?
Are you buying a primary residence, second home, or investment property?
What is the home’s address and type (e.g., single-family, condo)?
Why they ask: To evaluate the value and purpose of the property as collateral for the loan.
6. Debts and Expenses
What are your monthly expenses, including rent, utilities, and other bills?
Do you owe child support or alimony?
Why they ask: To calculate your debt-to-income (DTI) ratio and ensure you can afford the mortgage payments.
7. Down Payment
How much are you planning to put down as a down payment?
Are the funds coming from your savings or a gift?
Why they ask: To verify you have a sufficient down payment and its source is legitimate.
8. Insurance and Taxes
Do you have homeowners insurance lined up?
Are you aware of the property taxes in the area?
I applied via Referral and was interviewed in Dec 2024. There were 2 interview rounds.
posted on 7 Jan 2025
I applied via Recruitment Consulltant and was interviewed in Dec 2024. There were 2 interview rounds.
I was interviewed in Nov 2024.
Here’s a simple framework to approach a case study effectively:
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Case Study Framework
1. Understand the Problem
Read the case thoroughly and identify the key issue.
Ask clarifying questions if needed (if in a live setting).
Summarize the problem in your own words.
2. Analyze the Situation
SWOT Analysis (Strengths, Weaknesses, Opportunities, Threats)
Identify relevant stakeholders.
Gather data or key insights from the case text.
3. Identify Alternatives
Brainstorm possible solutions to the problem.
Consider multiple approaches (e.g., short-term vs. long-term solutions).
4. Evaluate the Alternatives
Weigh the pros and cons of each solution.
Assess feasibility, costs,
Common performance issues in a system include slow response times, high resource usage, bottlenecks, and crashes.
Slow response times can be caused by inefficient code, network latency, or overloaded servers.
High resource usage can lead to system slowdowns and crashes, often caused by memory leaks or inefficient algorithms.
Bottlenecks occur when a component of the system becomes a limiting factor, such as a database ser...
I have experience in identifying and resolving software bugs through thorough testing and collaboration with developers.
Identifying bugs by reproducing issues reported by users
Collaborating with developers to understand root cause of bugs
Testing bug fixes to ensure they are effective
Utilizing bug tracking tools like Jira or Bugzilla
Experience with regression testing to prevent reoccurrence of bugs
Shortcut Tips for Coding Tests: 1. Master the Basics: Familiarize yourself with arrays, strings, loops, and conditional statements. 2. Learn Patterns: Concentrate on sliding window, two-pointer techniques, recursion, and divide-and-conquer methods. 3. Use Standard Algorithms: Study breadth-first search (BFS), depth-first search (DFS), sorting algorithms, and dynamic programming principles. 4. Understand Data Structures: Practice with stacks, queues, linked lists, and trees. 5. Practice Edge Cases: Consider scenarios involving empty inputs, duplicates, and large datasets. 6. Write Pseudocode: Outline your plan before starting to code. 7. Optimize Early: Always strive for efficiency in your solutions.
I applied via LinkedIn and was interviewed in Nov 2024. There was 1 interview round.
I applied via Job Portal and was interviewed in Nov 2024. There were 2 interview rounds.
During the coding test, I was asked to write a program to check the frequency of characters in a string.
Java is a popular programming language known for its platform independence and object-oriented approach.
Java is platform-independent, meaning it can run on any device with a Java Virtual Machine (JVM)
Object-oriented programming is a key feature of Java, allowing for code reusability and modularity
The four pillars of Java are: Inheritance, Encapsulation, Abstraction, and Polymorphism
Inheritance allows a class to inherit...
Recursion is a programming technique where a function calls itself to solve a problem.
Recursion involves breaking down a problem into smaller subproblems and solving them recursively.
A base case is needed to stop the recursion and prevent infinite loops.
Example: Factorial calculation using recursion - function factorial(n) { return n === 0 ? 1 : n * factorial(n-1); }
Java doesn't use pointers for security and simplicity reasons.
Java uses references instead of pointers to avoid direct memory manipulation.
Pointers can lead to memory leaks and security vulnerabilities.
Java's garbage collection manages memory automatically, reducing the need for pointers.
Array is a fixed-size data structure while ArrayList is a dynamic-size data structure in Java.
Array is a fixed-size collection of elements of the same data type, while ArrayList is a dynamic-size collection that can grow or shrink.
Arrays can store primitive data types and objects, while ArrayList can only store objects.
Arrays require a specified size at the time of declaration, while ArrayList can dynamically resize it...
I applied via Campus Placement and was interviewed in Nov 2024. There were 2 interview rounds.
The test will comprise a total of 60 questions, divided as follows: 70% of the questions will focus on finance and accounting, while the remaining questions will cover aptitude and English.
I applied via Naukri.com and was interviewed in Sep 2024. There were 4 interview rounds.
Implementation of shared and unique pointers in C++ with operator overloading.
Implement a class for shared pointer with reference counting.
Handle assignment by incrementing reference count and decrementing old pointer's count.
Overload -> and * operators to access underlying object.
Use shared pointer in main method by creating instances and passing them around.
For unique pointer, implement a class that transfers ownersh
Design a system with org hierarchy to find all sub-ordinates using array of pointers.
Create a class for each employee with a pointer to their manager
Use an array of pointers to store all employee objects
Traverse the array to find all sub-ordinates of a given employee
Yes, I am ready to shift to Bengaluru for the c++ associate position.
I am excited about the opportunity to work in Bengaluru.
I have researched the city and am comfortable with the relocation.
I am flexible and adaptable to new environments.
I have friends/family in Bengaluru who can support me during the transition.
posted on 13 Dec 2024
I applied via Recruitment Consulltant and was interviewed in Nov 2024. There was 1 interview round.
Experienced internal auditor with a background in finance and risk management.
Over 5 years of experience in internal auditing
Strong background in finance and risk management
Skilled in conducting audits, identifying risks, and implementing controls
Proficient in analyzing financial data and preparing reports
Excellent communication and interpersonal skills
During my articleship, I engaged in various activities such as auditing financial statements, conducting internal control reviews, and assisting in risk assessment.
Auditing financial statements
Conducting internal control reviews
Assisting in risk assessment
The process of conducting an internal audit involves planning, executing, reporting, and follow-up.
Plan the audit by defining objectives, scope, and methodology.
Gather relevant data and evidence through interviews, document reviews, and observations.
Analyze the data to identify risks, control weaknesses, and areas for improvement.
Report findings to management and recommend corrective actions.
Follow up on implementation...
Internal audits are conducted by internal staff to evaluate and improve the effectiveness of risk management, control, and governance processes within an organization, while statutory audits are required by law and are conducted by external auditors to ensure compliance with financial reporting standards.
Internal audits are conducted by internal staff, while statutory audits are conducted by external auditors.
Internal ...
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Bajaj Finserv
Wells Fargo
JPMorgan Chase & Co.
HSBC Group