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NatWest Group Mortgage Underwriter Interview Questions and Answers
NatWest Group Mortgage Underwriter Interview Experiences
1 interview found
Anonymous
Selected
I applied via Campus Placement and was interviewed before Mar 2022. There were 4 interview rounds.
Aptitude test comprises of mathematics,eng Vocabulary ,
It was on favour or on against on works of narendra modi
(4 Questions)
- Q1. Tell me about yourself strength weakness
- Ans.
I am a detail-oriented and analytical mortgage underwriter with strong communication skills.
Strength: Attention to detail - I have a keen eye for detail and can thoroughly analyze mortgage applications to ensure accuracy and compliance.
Strength: Analytical skills - I am able to assess financial documents and make informed decisions based on risk assessment and underwriting guidelines.
Strength: Communication skills - I ...
- Q2. Knowledge about banking
- Q3. Skill set i was a college passout so nothing much
- Q4. Normal CPC behaviour
- Ans.
Normal CPC behaviour refers to the expected behavior of cost-per-click advertising campaigns.
Normal CPC behaviour involves a consistent cost-per-click rate for a given ad campaign.
Factors that can affect CPC behaviour include competition, ad relevance, and bid amount.
Abnormal CPC behaviour may indicate issues with the ad campaign or external factors such as click fraud.
Monitoring and analyzing CPC behaviour is importan...
Interview Preparation Tips
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I applied via Walk-in and was interviewed before Jan 2021. There were 3 interview rounds.
(1 Question)
- Q1. Self
Interview Preparation Tips
Interview Preparation Tips
Experience: Initial shortlisting was based on resume where CGPA cutoff was around 8.
Round: Test
Experience: Questions were related to Data interpretation and Aptitude,which mostly tests a person's patience too.Around 20-25 were shortlisted after this round.
Round: Case Study Interview
Experience: Questions relating to case studies and course done in your maths were asked.
Round: HR Interview
Experience: In this round,the candidate was asked to talk about himself, his qualities and mostly the activities he was involved in the past 4-5 years of his life.
Skill Tips: A proper revision of math courses will also be useful during interviews and can do much better by having preparation in case studies.
Skills: Good communication skills
College Name: IIT MADRAS
siva sankar
I applied via Company Website and was interviewed before May 2017. There were 3 interview rounds.
Interview Questionnaire
5 Questions
- Q1. Why HDFC?
- Ans.
HDFC is a leading financial institution known for its strong reputation, innovative products, and customer-centric approach.
HDFC has a strong reputation in the financial industry for its stability and reliability
The company offers innovative products and services tailored to meet the diverse needs of customers
HDFC has a customer-centric approach, focusing on providing excellent service and building long-term relationsh
- Q2. Why should I give you this offer?
- Ans.
I have the experience, skills, and passion to excel in this role.
I have a proven track record of successfully managing teams and projects.
My strong communication and leadership skills make me an effective manager.
I am passionate about driving results and exceeding expectations.
I am dedicated to continuous learning and development to stay ahead in the industry.
- Q3. First one would be tell me about your experience?
- Q4. No need to negotiate their offer is irresistible
- Q5. HR is dummy the decision lies with operations head who took the interview
Interview Preparation Tips
Advise to freshers there is no role in a private bank as such which is not a sales role. Every one has targets and should achieve productivity benchmarks
But the best point is that they pay very good.
Skills: Communication, Analytical Skills, Presentation Skills
Duration: 1-3 Months
I appeared for an interview before Mar 2016.
Interview Questionnaire
2 Questions
- Q1. Some technical questions were asked
- Q2. They spring hibernate MVC flow and core java and Oracle connectivity questions
Interview Preparation Tips
Experience: There was a Team manager and his junior for the interview
I applied via Recruitment Consultant and was interviewed in Mar 2018. There were 2 interview rounds.
Interview Preparation Tips
Experience: SR EXECUTIVE
General Tips: THE WORD OF INTRVIEW RFERS TO A ONE ON ONE CONVERSATION WITH OPEN PERSION.INTRVIEW USUALLY TAKE PLACE FACE TO FACE IN PERSION .I GOT SKILL MY INTERVIEW MORE KNOLEDGE.
Duration: <1 week
I applied via Campus Placement and was interviewed in Dec 2016. There were 4 interview rounds.
Interview Preparation Tips
Experience: Easy to clear; Each section had its own time limit.
Tips: No special Preparation Needed
Duration: 1 hour 30 minutes
Total Questions: 100
Round: Technical + HR Interview
Experience: 1. Axis Bank would like to minimize the losses incurred by transactions being declined. Suggest strategies and formulate it as an optimization Problem.
2. Suggest a situation where you have guided your team through a difficult situation.
3.Would you be okay with working in Mumbai?
Tips: Ans:
1. Main loss incurred is through ATM running out of cash.
Possible solutions are increasing refill frequency and increasing amount refilled. Multi-objective problem with objectives as reducing the cost incurred for refill and reducing the losses due to ATM running out of cash. Constraints being maximum refill amount and maximum refill frequency. Try to think of additional constraints which will be experienced real-time.
Skills: Optimisation, Analytical Skills
College Name: IIT Madras
I appeared for an interview before Apr 2016.
Interview Questionnaire
5 Questions
- Q1. Which clauses are important in 3CD while sanctioning loan
- Ans.
Important clauses in 3CD for loan sanctioning
Clause 4 - Purpose of loan
Clause 5 - Amount of loan
Clause 6 - Repayment terms
Clause 7 - Security for loan
Clause 8 - Interest rate
Clause 9 - Default and consequences
- Q2. Tell me profit and loss ratios
- Ans.
Profit and loss ratios are financial metrics used to assess the profitability of a company.
Profit ratio measures the percentage of profit earned on sales.
Gross profit ratio is calculated by dividing gross profit by net sales.
Net profit ratio indicates the percentage of net profit earned on sales.
Operating profit ratio measures the profitability of core operations.
Return on investment (ROI) is a common profitability rat
- Q3. Balance sheet ratios
- Q4. Diffrence between concurrent audit and statutory audit
- Ans.
Concurrent audit is conducted during the course of business operations, while statutory audit is conducted at the end of the financial year.
Concurrent audit is performed concurrently with the operations of the organization.
Statutory audit is conducted to ensure compliance with legal and regulatory requirements.
Concurrent audit helps in detecting and preventing frauds and errors in real-time.
Statutory audit provides an ...
- Q5. If someone is earning less than EMI should he take a loan or not
- Ans.
No, someone earning less than EMI should not take a loan.
Taking a loan when earning less than the EMI can lead to financial strain and difficulty in repayment.
It is important to have a stable income that can comfortably cover the loan repayment.
If someone is already struggling to meet their financial obligations, taking on additional debt can worsen their situation.
It is advisable to explore alternative options such as...
Interview Preparation Tips
Interview Questionnaire
4 Questions
- Q1. Tell me about yourself
- Ans.
Experienced manager with a background in team leadership and project management.
Over 5 years of experience in managing teams and projects
Strong communication and problem-solving skills
Proven track record of meeting deadlines and exceeding goals
- Q2. Profile related questions
- Q3. Profile preference and reasons for the same
- Q4. Stream related questions
Interview Preparation Tips
Experience: Case study related to banking sector where the MBA skills need to be applied
Tips: Be to the point
No faf required
Use decent language
Dont be too loud
Say valid points only
Duration: 30 minutes
Round: Technical + HR Interview
Experience: Direct the interview as per your desire in the first few minutes..make it a point to direct as per your stream..as the final profile offered to you would be based on this!
Tips: Be confident
Direct as per your preference to get the profile of your wish!
Show some concrete long term plans
Skills: Attitude, Communication, Finance, Behavioural Skills, Learning Ability, Commitment
College Name: SPM, PDPU
Interview Questionnaire
3 Questions
- Q1. Tell me what you know about ICICI ?
- Q2. Why do you want to get into the banking sector ?
- Q3. Explain your understanding of the profiles offered
Interview Preparation Tips
Experience: Answer Questions honestly and consistently because there are in built consistency checks.
Duration: 45-60 minutes
Total Questions: 110
Round: Group Discussion
Experience: Was a tough GD since everyone was very combative. I spoke above average but not at the cost of interrupting people and sounding rude. I tried to add some structure to the conversation but largely failed because others were just speaking for the sake of their voice to be heard the most.
Tips: You need to show you are willing to listen to people and responsive to arguments brought up. Allowing people who haven't spoken before shows that you are a team player which is a quality that they are looking for.
Round: HR Interview
Experience: There is only one interview which is resume based with all HR questions.
I explained my experience with design thinking which seemed to interest them as most of the questions i received were about my projects on the resume. Brushed up a little statistics before the interview.
Tips: Understand the profile offered and what the work entails and talk about how you match those skillsets.
Research about ICICI and their products.
Skills: Computation Skills , Data handling skills, Knowledge about company, Convincing skills
College Name: BITS Pilani
Funny Moments: I mentioned that I had an ICICI bank account after which my interviewer grinned.
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