NatWest Group Senior Analyst Interview Questions and Answers

Q1. What is leverage ratio
Ans. 
The leverage ratio is a financial metric that measures the proportion of debt used to finance a company's assets.
• It is calculated by dividing a company's total debt by its total assets.

• A higher leverage ratio indicates a higher level of debt relative to assets, which can be risky.

• Regulatory bodies may set minimum leverage ratios for financial institutions to ensure stability.

• For example, if a company has $1 million in ...read more
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Q2. What is portfolio size you have handled
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I have managed a portfolio of over $100 million in assets across various industries.
• Managed a diverse portfolio of assets

• Over $100 million in value

• Experience across multiple industries

• Implemented successful investment strategies

• Monitored and analyzed portfolio performance regularly
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Q3. What is DSCR ratio
Ans. 
DSCR is a financial ratio used to measure a company's ability to cover its debt obligations.
• DSCR is calculated by dividing a company's operating income by its total debt service obligations.

• A DSCR of 1 means the company is just able to cover its debt payments, while a DSCR above 1 indicates the company has more than enough income to cover its debt.

• Lenders typically look for a DSCR of at least 1.25 to ensure the company...read more
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Q1. What are your expectations
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I expect this role to provide opportunities for growth, challenges, and the ability to make a significant impact.
• Opportunities for professional growth through learning new skills and taking on more responsibilities

• Challenges that push me to think creatively and problem-solve effectively

• Ability to make a significant impact by contributing to important projects and initiatives
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Technical test of payment Operations investigation etc

Q1. Situation based question of team
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Q2. When your immediate Senior is on holiday and unavailable whom do you ask to authorise the payment
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Q3. How do you manage and what you do when many people ask for leave together
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Q4. Question was how good i am with handling extra workload pressure
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Q1. General discussion about past work experience
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Q2. Discussion about salary
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Q1. Trade lifecycle and its settlement process
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The trade lifecycle encompasses all stages from trade initiation to settlement, ensuring accurate and timely transaction completion.
• 1. Trade Initiation: The process begins when a trade is executed, either through a broker or electronically.

• 2. Trade Confirmation: Both parties confirm the trade details, including price and quantity, to ensure accuracy.

• 3. Clearing: The trade is sent to a clearinghouse, which acts as an in...read more
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Q2. Fixed income regulatory affairs
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Written test banking basics

Q1. Job description
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Q2. Salary range discussion
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Q1. Situation based
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Q2. Handling a team
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Q1. Basic questions on income statements, Balance sheet and cash flow.
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Q1. Current assets ,liability, ratios, EBITDA
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Q1. Credit analysis , any deal you work upon etc
Ans. Answer the deal I worked upon
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Q2. Key financial ratios
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Q3. What do you know aboutNatWest?
Ans. 
NatWest is a major retail and commercial bank in the UK, offering a wide range of financial services.
• NatWest was founded in 1968 as a result of a merger between National Provincial Bank and Westminster Bank.

• It is one of the largest banks in the UK, with a strong presence in retail and commercial banking.

• NatWest offers services such as personal banking, business banking, mortgages, loans, and investments.

• The bank is kno...read more
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