Mashreq Global Services Interview Questions and Answers

Q1. Introduce yourself
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Q1. About project and experience
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Q1. Work experience
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STAR method analysis on delivery challenges

Q1. Exprience evaluation
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Q2. Risk taking ability
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Q1. This round was with a manager who is an expert in the process, I was grilled with many questions related to the compliance process.
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Q1. This round was with Head of Sanctions (Senior VP). The questions are related to my exposure on the compliance process to understand as how well can I contribute to the process.
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Q1. Export/ import related documents & what are the things has to look for from credit analyst point of view.
Ans. Buyer/ seller name & address. type of export - bill of leading , airway bill etc , validation from site. Date of invoice, amount , currency & shipment details should match , terms & condition of shipment. Country of origin & shipment etc. Buyer/ seller name & amount & other details should match with account statements provided by merchant.
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Q2. How to consider turnover from company Bank statements.
Ans. 
Turnover from company bank statements is considered by analyzing the inflows and outflows of funds.
• Review the bank statements to identify the total inflows and outflows of funds.

• Calculate the turnover by subtracting the total outflows from the total inflows.

• Consider the turnover as an indicator of the company's financial activity and liquidity.

• Higher turnover may suggest a more active business with frequent transaction...read more
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Q3. How to do DSCR calculation.
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DSCR calculation is a method used to assess a borrower's ability to generate enough cash flow to cover debt obligations.
• DSCR stands for Debt Service Coverage Ratio.

• It is calculated by dividing the borrower's net operating income by their total debt service.

• Net operating income includes the borrower's revenue minus operating expenses.

• Total debt service includes all debt payments, such as principal and interest.

• A DSCR of...read more
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Q1. Existing bank role & CTC . Expected CTC for job change etc.
Ans. 
I am currently working as a credit analyst at XYZ Bank with a CTC of $X. I am expecting a higher CTC for this job change.
• Currently working as a credit analyst at XYZ Bank

• Current CTC is $X

• Expecting a higher CTC for this job change
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Q1. Negotiations on salary part, notice period discussion, offer letter acceptance etc
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