PNB Housing Finance Credit Processing Associate Interview Questions and Answers

Q1. Previous Company Working and Job responsibilities
Ans. 
I worked at XYZ Company as a Credit Analyst. My responsibilities included assessing creditworthiness, setting credit limits, and managing collections.
• Assessed creditworthiness of new and existing customers

• Set credit limits based on risk assessment

• Managed collections process for overdue accounts
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Q1. Previous organizations Job responsibilities KRA
Ans. 
Managed credit operations, analyzed credit risk, monitored collections, and ensured compliance with credit policies.
• Analyzed credit risk for potential customers

• Monitored collections and followed up on overdue accounts

• Ensured compliance with credit policies and procedures

• Managed credit operations and team of credit analysts
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Q1. Qualification or education
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Q2. General round and etc
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Q1. Discussion credit understanding only
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Q2. Self introduction
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Q3. General discussion
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Q1. Credit appraisal,credit worhiness
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Q2. Maintain branch dignity
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Q3. Approval and rejection
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Q1. Credit appraisal credit worhiness
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All related to decision making,General questions all about decision making, simple arithmetic and reasoning question but you have answer maximum number of questions in very low time that's the main task

Q1. About credit based on your past assignments and related to PD, technical,legal,, CIBIL, other related to credit underwriting and etc.,
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Q2. Credit related questions
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Q1. Simple template only product questions
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Q2. Simply finished, there is no hardly
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Q3. There is no hard, easily good
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Q4. Way of tata making the most beautiful
Ans. 
The question is unclear and not related to credit management.
• The question is not related to credit management and seems to be incomplete or irrelevant.

• Without further context or clarification, it is impossible to provide a meaningful answer.

• It is important to ask relevant and clear questions in an interview to assess a candidate's qualifications and skills.
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Q1. Business volume, Portfolio health, Credit Manager role
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Q2. Number of Credit Manager against the sale team and number of files login
Ans. 
The number of Credit Managers should be proportional to the size of the sales team and the number of files being logged.
• The ratio of Credit Managers to sales team members should be determined based on the workload and complexity of the credit process.

• The number of files being logged should also be taken into consideration when determining the appropriate number of Credit Managers.

• For example, if there are 10 sales team...read more
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