NatWest Group Senior Credit Analyst Interview Questions and Answers

Q1. About your self
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Q2. Work experience
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Q1. Refer MSME book iibf
Ans. 
MSME book by IIBF provides comprehensive information on Micro, Small and Medium Enterprises.
• MSME book by IIBF covers various aspects of MSME sector such as financing, credit assessment, risk management, etc.

• It also includes case studies and practical examples to help understand the concepts better.

• The book is a valuable resource for credit managers looking to enhance their knowledge and skills in managing MSME credit.

• I...read more
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English writing - formal and informal

Q1. Technical round - was okay - role play
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Q2. Detailed question on ur exp
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Q3. Was the role in previous co - team lead
Ans. 
Yes
• Yes, I have previous experience as a team lead in my previous role.

• As a team lead, I was responsible for managing a team of credit analysts and overseeing their work.

• I provided guidance and support to team members, ensuring that they met their targets and maintained high-quality standards.

• I also collaborated with other departments to streamline processes and improve efficiency.

• For example, I implemented a new credit...read more
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Q1. What is the difference between Hypothecation and pledge?
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Hypothecation is when an asset is pledged as collateral without transferring ownership, while pledge involves transferring ownership of an asset as collateral.
• Hypothecation allows the borrower to retain possession and use of the asset.

• In a pledge, the lender takes ownership of the asset until the debt is repaid.

• Hypothecation is commonly used in loans for vehicles, where the lender holds the vehicle's registration paper...read more
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Q2. What did you work in your previous job in BSNL?
Ans. Job profile of my work as Jr. account's Officer.
Answered by harsh solanki
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Q3. Are you ready to work PAN India?
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Q4. Difference between INDAS and US GAAP?
Ans. 
INDAS and US GAAP are accounting standards used in different countries.
• INDAS stands for Indian Accounting Standards, while US GAAP stands for Generally Accepted Accounting Principles used in the United States.

• INDAS is based on International Financial Reporting Standards (IFRS), while US GAAP is based on a mixture of IFRS and local accounting principles.

• INDAS is used by companies in India, while US GAAP is used by compa...read more
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Q5. Ratios use in Analysis?
Ans. 
Ratios are essential tools in financial analysis to assess a company's performance and financial health.
• Ratios help evaluate a company's profitability, liquidity, solvency, and efficiency.

• Common ratios include the current ratio, debt-to-equity ratio, return on equity, and gross profit margin.

• These ratios provide insights into a company's ability to meet short-term obligations, manage debt, generate profits, and control...read more
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Q6. Hi!! Harsh How r you? Tell us about your self and past work done.
Ans. I answered M Harsh From Gujarat Told my background that CA. College complete from HLCC Gujarat Worked at BSNL and discussed my work profile
Answered by harsh solanki
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Q1. Role and responsibilities
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Q2. Why leave job and RBI guidelines and what is family in microfinance Bank and
Ans. 
Leaving job and RBI guidelines are important factors in microfinance banking.
• Leaving a job may be due to career growth opportunities or better work-life balance.

• RBI guidelines are crucial for ensuring compliance and stability in the microfinance sector.

• Family in microfinance bank refers to the close-knit team of employees working towards a common goal.

• Supportive work environment and strong team dynamics are key aspects
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Q1. Details about corporate mortgage
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Q2. Corporate customer documents verification for term loans
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Basic Finance questions were there from variety of topicsj

Q1. Questions related to derivative
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Q1. Option greeks, vega profile
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