Nivara Home Finance Branch Credit Manager Interview Questions and Answers

Income of borrower can be assessed through various documents and verification methods.

• Reviewing pay stubs and tax returns

• Verifying employment status and income with employer

• Analyzing bank statements for regular income deposits

• Considering other sources of income such as rental properties or investments

Financial parameters checked for SME file approval include credit score, cash flow, collateral, and industry risk.

• Credit score of the business owner

• Cash flow analysis to ensure ability to repay

• Collateral value to mitigate risk

• Industry risk assessment for sector-specific challenges

Key financial ratios are metrics used to evaluate a company's financial performance and health.

• Key financial ratios include profitability ratios, liquidity ratios, leverage ratios, and efficiency ratios.

• Examples of key financial ratios include return on assets (ROA), current ratio, debt-to-equity ratio, and inventory turnover ratio.

• These ratios help investors, creditors, and management assess the financial strength and