Morningstar Interview Questions, Process, and Tips

Q1. Tell me about yourself
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Q2. Explain your previous experience
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Q3. What do you know about ESG
Ans. 
ESG stands for Environmental, Social, and Governance criteria used to evaluate a company's sustainability and ethical impact.
• ESG criteria are used by investors to assess the sustainability and ethical impact of a company.

• Environmental criteria focus on a company's impact on the environment, such as carbon emissions and waste management.

• Social criteria evaluate how a company manages relationships with employees, supplie...read more
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Q1. Job experience?
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I have 3 years of experience in HR operations, including recruitment, onboarding, and employee relations.
• Recruitment process management

• Onboarding new employees

• Handling employee relations issues
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Q2. HR tools used
Ans. 
Various HR tools are used for recruitment, performance management, payroll, etc.
• Applicant Tracking Systems (ATS) for recruitment

• Human Resource Information Systems (HRIS) for employee data management

• Performance management tools for tracking employee performance

• Payroll software for managing employee salaries and benefits
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30 Questions
Difficulty Moderate

Q1. Difference between Cmbs vs Rmbs
Ans. 
CMBS are securities backed by commercial mortgages, while RMBS are securities backed by residential mortgages.
• CMBS are backed by commercial properties such as office buildings, shopping centers, and hotels.

• RMBS are backed by residential properties such as single-family homes, condos, and townhouses.

• CMBS tend to have higher loan amounts and lower prepayment rates compared to RMBS.

• RMBS are more sensitive to changes in in...read more
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Q2. Why you want to work Morningstar
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Q3. Difference between bankruptcy and insolvency
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Bankruptcy is a legal process where a person or business is unable to repay debts, while insolvency refers to a financial state of being unable to pay debts.
• Bankruptcy is a legal status declared by a court when a person or business cannot repay debts.

• Insolvency is a financial state where a person or business is unable to pay debts as they become due.

• Bankruptcy involves a formal legal process, while insolvency is a fina...read more
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Q4. Prepayment risk meaning
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Prepayment risk refers to the risk that borrowers will pay off their loans earlier than expected, resulting in a loss of future interest payments for the lender.
• Prepayment risk is common in mortgage-backed securities, where homeowners can refinance their mortgages at lower interest rates, causing the investor to lose out on expected interest income.

• It can also occur in bonds or other fixed-income securities when intere...read more
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Q5. What is asset backed security and how is different from CMBS
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Asset backed security is a type of financial security backed by a pool of assets, while CMBS specifically refers to securities backed by commercial real estate loans.
• Asset backed securities are backed by a variety of assets such as credit card receivables, auto loans, or student loans.

• CMBS are specifically backed by commercial real estate loans, such as office buildings, shopping centers, or hotels.

• Asset backed securit...read more
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Q6. What has more prepayment risk CMBS, RMBS, ABS
Ans. 
CMBS has more prepayment risk compared to RMBS and ABS.
• CMBS (Commercial Mortgage-Backed Securities) typically have higher prepayment risk due to the nature of commercial real estate loans.

• RMBS (Residential Mortgage-Backed Securities) have lower prepayment risk compared to CMBS as residential mortgages are less likely to prepay.

• ABS (Asset-Backed Securities) generally have lower prepayment risk as the underlying assets m...read more
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