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North East Small Finance Bank
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North East Small Finance Bank Credit Officer Interview Questions and Answers
North East Small Finance Bank Credit Officer Interview Experiences
2 interviews found
Selected
I applied via Walk-in and was interviewed before Aug 2023. There were 2 interview rounds.
Carrier and ambition of life
(2 Questions)
- Q1. Why do you want to do this job?
- Ans.
I am passionate about analyzing financial data and helping individuals and businesses make informed credit decisions.
Enjoy analyzing financial data and assessing credit risk
Passionate about helping individuals and businesses make informed credit decisions
Excited about the opportunity to contribute to the financial health of clients
Seeking a challenging and rewarding career in the financial industry
- Q2. What do you know about Credit Officer?
- Ans.
Credit Officers are responsible for evaluating and approving loan applications, assessing creditworthiness, and managing risk for financial institutions.
Evaluate loan applications to determine creditworthiness
Assess risk and make decisions on loan approvals
Monitor and manage existing loan portfolios
Ensure compliance with regulations and policies
Communicate with clients to gather necessary information
Analyze financial s...
Interview Preparation Tips
Interview Questionnaire
6 Questions
- Q1. What have you done after graduation
- Q2. What is your dream
- Q3. Why are you choosing banking sector
- Q4. What you expact
- Q5. What you want
- Q6. What will you want
Interview Preparation Tips
Top trending discussions
Interview questions from similar companies
Interview Questionnaire
3 Questions
- Q1. How we can identify a bad loan proposal and a good loan proposal
- Ans.
A bad loan proposal lacks feasibility and repayment capacity, while a good loan proposal has a clear purpose and a strong repayment plan.
A bad loan proposal may lack a clear purpose or have unrealistic projections
A good loan proposal should have a detailed business plan and financial projections
A bad loan proposal may have a history of missed payments or defaults
A good loan proposal should have a strong credit history ...
- Q2. What are the skills you are having to be selected for this job role.
- Ans.
Skills required for Credit Officer role
Strong analytical and problem-solving skills
Excellent communication and interpersonal skills
Ability to work under pressure and meet deadlines
Knowledge of financial analysis and risk assessment
Attention to detail and accuracy
Proficiency in Microsoft Office and other relevant software
Ability to work independently and as part of a team
Experience in credit analysis and lending
Understa...
- Q3. What are the areas to be improved in the present banking system (based on asset quality and acquisition from open market.)
- Ans.
The areas to be improved in the present banking system based on asset quality and acquisition from open market.
Enhancing risk management practices to minimize non-performing assets (NPAs)
Improving due diligence processes for acquiring assets from the open market
Strengthening credit underwriting standards to ensure quality loan portfolio
Implementing robust monitoring and early warning systems for timely identification o...
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 11 Jan 2020
I applied via Referral and was interviewed in Jul 2019. There were 5 interview rounds.
Interview Questionnaire
1 Question
- Q1. How I will do the pd and I could check the cibil and track. What question to ask from customer. What documents are required for processing the case for decision.
Interview Preparation Tips
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 18 Nov 2020
I applied via Naukri.com and was interviewed before Nov 2019. There was 1 interview round.
Interview Questionnaire
5 Questions
- Q1. What is CIBIL and Full Form of CIBIL?
- Q2. FOIR and IIR Description?
- Ans.
FOIR and IIR are ratios used by lenders to assess the creditworthiness of borrowers.
FOIR stands for Fixed Obligation to Income Ratio and is calculated by dividing the borrower's fixed obligations (such as loan EMIs, rent, etc.) by their monthly income.
IIR stands for Installment to Income Ratio and is calculated by dividing the borrower's total loan installments by their monthly income.
Both ratios help lenders determine...
- Q3. How to conduct PD With Customer?
- Q4. What is Credit 5cs?
- Ans.
Credit 5Cs is a framework used by lenders to evaluate the creditworthiness of a borrower.
The 5Cs are Character, Capacity, Capital, Collateral, and Conditions.
Character refers to the borrower's reputation and credit history.
Capacity refers to the borrower's ability to repay the loan.
Capital refers to the borrower's assets and net worth.
Collateral refers to the assets that can be used as security for the loan.
Conditions ...
- Q5. Credit Related Many Questions I.e.like ITR,ABB and Legal Report
Interview Preparation Tips
I applied via Walk-in and was interviewed before Jun 2020. There was 1 interview round.
Interview Questionnaire
4 Questions
- Q1. First impression with HR & Business Manager he check my body language family background etc its most important part your family background if you go there for interview than maintain your decorum simple s...
- Q2. All company need hord working person so if you go in pvt sector mentally strong
- Q3. If you go first time for interview and you selected in the company dont asked first for salary its go negative feedback
- Q4. Check company policy work culture and customer service, its most important part in all companies, so dont rude with customer in any work presure
Interview Preparation Tips
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 19 Jan 2018
I applied via Other and was interviewed before Jan 2017. There were 4 interview rounds.
Interview Questionnaire
4 Questions
- Q1. HR executive Asking me my How was your experience in old company. and how handle client,how is process file punching. your comfort this job profile. you now current job profile.I have give satisfy answer...
- Q2. I am asking about what is the job profile of the company , how study new file.
- Q3. I am asking to HR Executive which salary make and how is increase salary appraisal wise or senior employees wise .
- Q4. What is the timing daily work.
Interview Preparation Tips
Experience: Branch Manager Give One new file than asking me how handle this client and how punched this case.
General Tips: I think every job seekers perfect his profile. minimum 80% knowledge his job profile.He already study against new company. collect his history and information.Any question asking hime but he give answer them confidently. he confidence looking first impression. he look show is perfect executive they good impression. Job seeker complitly real situation tell him. example asking question when que. related discussion must do not west time HR executive.
Skills: dont take work pressure, Communication, Body Language, Problem Solving, Analytical Skills, Leadership, Presentation Skills, Time Management, Decision Making Skills
Duration: <1 week
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 14 Jul 2022
I applied via Walk-in and was interviewed before Jul 2021. There were 2 interview rounds.
10 complete through Assembly of God Church School
Interview Preparation Tips
- Operations
- Recruitment
Interview Questionnaire
2 Questions
- Q1. Self introduced
- Q2. My Self Samir Patra , I live at west bengal , I am Graduated .Near about 12 years experience in microfinance and banking sector .There job roll Branch Head , Regional Internal Auditor , Credit Officer , Mo...
Interview Preparation Tips
I applied via Campus Placement and was interviewed in Nov 2021. There were 5 interview rounds.
Interview Questionnaire
4 Questions
- Q1. 5 C of credit
- Ans.
The 5 C's of credit are character, capacity, capital, collateral, and conditions.
Character refers to the borrower's credit history and reputation.
Capacity refers to the borrower's ability to repay the loan.
Capital refers to the borrower's financial resources and assets.
Collateral refers to the assets that can be used as security for the loan.
Conditions refer to the economic and industry factors that may affect the borr
- Q2. Home loan rates
- Q3. Calculate EMI
- Ans.
EMI can be calculated using the formula: EMI = [P x R x (1+R)^N]/[(1+R)^N-1]
EMI stands for Equated Monthly Installment
P is the principal amount borrowed
R is the rate of interest per month
N is the number of months for repayment
Example: If P = 1,00,000, R = 10% per annum, N = 12 months, then EMI = Rs. 8,792
- Q4. About internship
Interview Preparation Tips
North East Small Finance Bank Interview FAQs
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North East Small Finance Bank Credit Officer Interview Process
based on 2 interviews
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North East Small Finance Bank Credit Officer Reviews and Ratings
based on 16 reviews
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