Muthoot Housing Finance Company Branch Credit Manager Interview Questions and Answers

Q1. About Credit Underwriting and previous experience
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Q1. Salary discussion
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Q1. Works details regarding affordable HL and LAP
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Q2. PD UNDERWRITING DECISION SANCTIONING DISBURSEMENT
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Q1. Notice and salary CTC
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Q1. Rbi guidelines and about NBFC BANKING ETC
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Q1. Personal information
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One to one group discussion of previous company experience, Family Details, Education Deatails, salary details and other discussion.

Giving loans after doing complete case study, income analysis and finding income deviation after looking at business income and if I am in sales then I know the complete study

Q1. Brief on kind of work done in earlier job
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Q2. How would to assess a credit proposal?
Ans. 
Assessing a credit proposal involves analyzing the borrower's financial history, creditworthiness, and ability to repay the loan.
• Review the borrower's credit report and score

• Analyze the borrower's income and expenses

• Evaluate the purpose of the loan and the borrower's ability to repay it

• Consider any collateral or guarantors offered by the borrower

• Assess the overall risk of the loan and make a recommendation
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Q1. Tell me about credit underwriting
Ans. 
Credit underwriting involves assessing the creditworthiness of borrowers to determine their ability to repay loans.
• Credit underwriting is the process of evaluating the financial information of borrowers to determine their creditworthiness.

• It involves analyzing factors such as income, credit history, debt-to-income ratio, and collateral.

• The goal of credit underwriting is to assess the risk associated with lending money ...read more
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Q2. What is Mortgage or unsecured loan
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A mortgage is a loan secured by real estate property, while an unsecured loan is not backed by collateral.
• Mortgage: A loan where the borrower uses their property as collateral.

• Unsecured loan: A loan that is not backed by collateral.

• Mortgages typically have lower interest rates compared to unsecured loans.

• Examples of unsecured loans include personal loans and credit card debt.

• If a borrower defaults on a mortgage, the le...read more
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