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Protium Finance Credit Processing Associate Interview Questions and Answers
Protium Finance Credit Processing Associate Interview Experiences
1 interview found
Selected
I applied via Referral and was interviewed in Aug 2023. There were 3 interview rounds.
Question regarding Product and Analysis
(3 Questions)
- Q1. Question regarding LAP Product
- Q2. What about LAP Product
- Ans.
LAP product refers to Loan Against Property, where individuals can avail a loan by mortgaging their property.
LAP product allows individuals to borrow money by using their property as collateral
Interest rates for LAP products are usually lower than personal loans
Lenders may offer higher loan amounts for LAP products compared to other types of loans
- Q3. What is LTV In LAP Product
- Ans.
LTV in LAP product refers to Loan to Value ratio in Loan Against Property product.
LTV is a financial term used to assess the risk of a loan by comparing the loan amount to the value of the property being used as collateral.
In LAP product, LTV ratio determines the maximum amount of loan that can be sanctioned based on the value of the property.
For example, if the LTV ratio for a LAP product is 70%, it means that a borro...
Interview Preparation Tips
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Interview questions from similar companies
Selected
I applied via Approached by Company and was interviewed in Nov 2024. There was 1 interview round.
(5 Questions)
- Q1. What is the reason to switch my job
- Ans.
Seeking new challenges, growth opportunities, and a better work-life balance.
Looking for career advancement and professional development
Seeking a more supportive and collaborative work environment
Desire for a better work-life balance
Interested in exploring new industries or sectors
Want to utilize and expand my skills and knowledge
- Q2. What expected salary do I expect
- Ans.
I am looking for a competitive salary based on my experience and qualifications.
I am open to discussing salary based on the responsibilities and requirements of the role.
I have researched the average salary range for Credit Officers in this industry.
I am looking for a salary that reflects my skills and contributions to the company.
I am also considering benefits and opportunities for growth within the company.
I am flexi...
- Q3. What are my strength and weakness
- Ans.
My strength is attention to detail and my weakness is public speaking.
Strength: Attention to detail - I excel at analyzing financial documents and identifying discrepancies.
Weakness: Public speaking - I struggle with speaking confidently in front of large groups.
- Q4. Tell me about yourself
- Ans.
Experienced credit officer with a strong background in financial analysis and risk assessment.
Over 5 years of experience in credit analysis and underwriting
Proficient in financial statement analysis and risk management
Strong attention to detail and ability to make sound credit decisions
Excellent communication skills and ability to work effectively with clients and team members
- Q5. How do you handle your work life and personal life
- Ans.
I prioritize work during work hours and dedicate personal time to family, hobbies, and self-care.
Set boundaries between work and personal life
Practice time management to ensure tasks are completed efficiently
Delegate tasks when necessary to avoid burnout
Engage in activities outside of work to relax and recharge
Communicate with family and friends about work commitments
Interview Preparation Tips
There are great growth opportunities and seniors here are too helpful and supportive at every moment.
We get good amount of appraisals.
Cluster Credit Manager Interview Questions & Answers
Kotak Securities
Anonymous
posted on 15 Apr 2024
Online test was conducted by placement
Moneyless economy in India; advantages ve disadvantages
(1 Question)
- Q1. Why do you want to work in sales
Branch Credit Manager Interview Questions & Answers
Aadhar Housing Finance
Anonymous
posted on 30 Oct 2023
Selected
I applied via Referral and was interviewed in Sep 2023. There were 3 interview rounds.
(1 Question)
- Q1. Good hr policy and good to talk
Tcm rcm and zbh taken interview
Interview Preparation Tips
Selected
I applied via campus placement at Chitkara Business School, Patiala and was interviewed in Dec 2022. There were 3 interview rounds.
(1 Question)
- Q1. Tell us about financial ratios, what do you understand from bank statement of a person?
- Ans.
Financial ratios are tools used to analyze a company's financial performance and health. Bank statements provide a snapshot of an individual's financial transactions and balances.
Financial ratios are used to evaluate a company's profitability, liquidity, solvency, and efficiency.
Examples of financial ratios include debt-to-equity ratio, current ratio, return on equity, and gross margin.
Bank statements show a person's i...
(1 Question)
- Q1. How long do you see with our company
Selected
I applied via Company Website and was interviewed before Mar 2023. There were 2 interview rounds.
(2 Questions)
- Q1. What is DSCR? How is it important?
- Ans.
DSCR stands for Debt Service Coverage Ratio. It is a financial metric used to evaluate a company's ability to pay its debt obligations.
DSCR is calculated by dividing a company's operating income by its total debt service obligations.
A DSCR of 1 or higher indicates that a company is generating enough income to cover its debt payments.
Lenders often use DSCR to assess the creditworthiness of a borrower before extending a ...
- Q2. What ratios are important and why?
- Ans.
Important ratios for credit analysis include debt-to-equity, current ratio, and interest coverage ratio.
Debt-to-equity ratio: Indicates the proportion of debt used to finance a company's assets. A lower ratio is generally preferred.
Current ratio: Measures a company's ability to cover its short-term liabilities with its short-term assets. A ratio above 1 is ideal.
Interest coverage ratio: Shows a company's ability to pay...
(2 Questions)
- Q1. Tell me something about yourself?
- Q2. What did you do in your last organisation?
Interview Preparation Tips
Selected
I applied via LinkedIn and was interviewed in Jul 2024. There were 2 interview rounds.
(3 Questions)
- Q1. How many experience in banking finance operations
- Ans.
I have 5 years of experience in banking finance operations.
I have worked in various roles within banking finance operations for the past 5 years.
I have experience in credit analysis, loan processing, and risk assessment.
I have successfully managed a portfolio of clients and ensured compliance with banking regulations.
I have also participated in financial audits and conducted financial analysis to support decision-makin...
- Q2. What is ROI, CAM, Legal Technical Document etc
- Ans.
ROI stands for Return on Investment, CAM stands for Credit Approval Memorandum, Legal Technical Document refers to legal documents related to a transaction.
ROI is a financial metric used to evaluate the efficiency or profitability of an investment.
CAM is a document that summarizes the key information and analysis related to a credit request.
Legal Technical Document includes contracts, agreements, deeds, and other legal
- Q3. Are u ready relocate
- Ans.
Yes, I am open to relocating for the right opportunity.
I am willing to relocate for the right job opportunity
I have no ties that would prevent me from relocating
I am excited about the possibility of experiencing a new city or country
(2 Questions)
- Q1. Personal details
- Q2. Salary discussion
Branch Credit Manager Interview Questions & Answers
Aadhar Housing Finance
Anonymous
posted on 23 Apr 2022
I was interviewed before Apr 2021.
(3 Questions)
- Q1. Good experience
- Q2. Discuss properly CTC
- Q3. As per experience current organisation and basr current CTC high
Interview Preparation Tips
(2 Questions)
- Q1. Q.1 What Is CTC Before Company Now How Much your Are Expecting.? Q.2 What Are Different Types of Credit That Bank Offers.? Q.3 What Is Ideal Debt Equity Ratio? What Is Credit Appraisal.? Q.4 What Is Un...
- Ans. Ans.1 Before I got 2.64 Chang Now I Am Expecting 3.36 to 3.50 Lacs Per Annum. Ans.2 Bank Offer Various Types of Credit Including Personal Loan, Credit Card , Mortgages , And Business Loas. Ans.3 Ideal Debt Equity Ratio Varies By Industry And Company But Generally Ranges 0.5 to 2 Debt. And 4.Underwriting is The process Through Individual or Now Individual Financial Risk And Risk Typically Involves Loans. Ans.5 Key Ski...
- Q2. What is Cibil Fullform?
- Ans.
CIBIL stands for Credit Information Bureau (India) Limited.
CIBIL is a credit information company in India that collects and maintains records of individuals' and companies' credit information.
It provides credit scores and reports to lenders to help them evaluate the creditworthiness of potential borrowers.
CIBIL plays a crucial role in the loan approval process by providing insights into an individual's credit history a
Branch Credit Manager Interview Questions & Answers
Aadhar Housing Finance
Anonymous
posted on 26 May 2022
I applied via Recruitment Consulltant and was interviewed in Apr 2022. There were 3 interview rounds.
Underwriting Skills with product Knowledge, Shortlist with reporting Manager discussion.
(1 Question)
- Q1. HR Policies, benifit, etc
Interview Preparation Tips
- Underwriting
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Protium Finance Credit Processing Associate Reviews and Ratings
based on 13 reviews
Rating in categories
|
Credit Manager
96
salaries
|  ₹2.8 L/yr - ₹11 L/yr |
|
Sales Manager
89
salaries
| ₹3.5 L/yr - ₹10 L/yr |
|
Relationship Manager
85
salaries
| ₹1.5 L/yr - ₹4.2 L/yr |
|
Senior Relationship Manager
66
salaries
| ₹2.2 L/yr - ₹3.9 L/yr |
|
Credit Processing Associate
62
salaries
| ₹2 L/yr - ₹4.3 L/yr |
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