Modern Garments Commercial Officer Interview Questions and Answers

Q1. What is lending, explain about
Ans. 
Lending is the act of providing money or assets to another party with the expectation of repayment.
• Lending involves a lender providing funds to a borrower with the expectation of receiving interest and principal repayment.

• Lending can take many forms, including personal loans, mortgages, and business loans.

• Lenders may require collateral or a credit check to mitigate risk.

• Interest rates and repayment terms vary depending...read more
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Q2. What is disbursement amount
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Disbursement amount refers to the total amount of money paid out by a lender to a borrower.
• It is the amount of money that a borrower receives from a lender after the loan is approved.

• It includes the principal amount as well as any interest or fees that may be charged.

• Disbursement amount can vary depending on the type of loan and the lender's policies.

• For example, in a mortgage loan, the disbursement amount may be paid ...read more
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Negative or postive , working style,emergency attend etc

Q1. What are your salary expectations?
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Q2. 5 lakhs per annum I am expecting
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Q3. Good communication skills
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Q4. Tell me about your self
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Q5. Good communication marketing strategy
Ans. 
A good communication marketing strategy involves understanding the target audience, clear messaging, and utilizing various channels.
• Research and understand the target audience

• Develop clear and concise messaging

• Utilize various channels such as social media, email marketing, and advertising

• Consistently evaluate and adjust the strategy based on results

• Collaborate with other departments such as sales and product developmen
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Q1. Current role details
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Q1. Ratio used for credit analysis How do you analyse the credit capacity of the corporate
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Credit analysis ratio and methods for corporate credit capacity analysis
• Ratio used for credit analysis includes debt-to-equity ratio, current ratio, and interest coverage ratio

• Credit capacity analysis involves assessing the company's financial statements, credit history, and industry trends

• Other factors to consider include management quality, market position, and economic conditions

• Credit rating agencies such as Moody'...read more
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