Upload Button Icon Add office photos

Punjab National Bank

Compare button icon Compare button icon Compare

Filter interviews by

Punjab National Bank Credit Manager Interview Questions and Answers

Updated 21 Feb 2024

Punjab National Bank Credit Manager Interview Experiences

2 interviews found

Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Aptitude Test 

(2 Questions)

  • Q1. Type of Charge?
  • Ans. 

    Type of charge refers to the nature of the financial obligation, such as fixed or floating charge.

    • Type of charge can be fixed or floating.

    • Fixed charge is a specific charge on particular assets of a company, while floating charge is a charge on a class of assets that change from time to time.

    • Examples of fixed charges include mortgages and debentures, while examples of floating charges include inventory and accounts rece...

  • Answered by AI
  • Q2. What is the role of CERSAI portal?
  • Ans. 

    CERSAI portal is a centralized platform for registering and maintaining security interests created by lenders on movable assets.

    • CERSAI stands for Central Registry of Securitization Asset Reconstruction and Security Interest of India.

    • It helps in creating a central registry of security interests on movable assets to prevent fraud and improve transparency in lending.

    • Lenders are required to register their security interest...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident

I applied via Company Website

Interview Questionnaire 

2 Questions

  • Q1. I was about my job role in my previous organization. The kind of clients I dealt there, the challenges I faced. And of course there were few general knowledge or current affairs questions as well.
  • Q2. What is your hobby

Interview Preparation Tips

Interview preparation tips for other job seekers - My advice to all those appearing for interview is to be honest with your answers.
Answer in crisp and clear way.
Politely Ask for clarifications or to repeat questions if you don't get the question in the first place.
If you are already working, do your homework well, there will be lot of questions on your job in previous organization.
As I am experienced in banking, a lot procedures, formula, ratio etc were asked.
Be ready for situation based questions and answer them with your experience. They may not want theoretical answers.
At the end, you may be asked about your hobbies, please don't brag on anything. Just try to sound creative and genuine.

Credit Manager Interview Questions Asked at Other Companies

asked in HDFC Bank
Q1. If a client comes to take a loan & he haven't got any type of ... read more
asked in ICICI Bank
Q2. What are the most important ratios to analyse the balance sheet a ... read more
asked in HDFC Bank
Q3. A client comes & he wants a big loan to fund his long-term pr ... read more
asked in ICICI Bank
Q4. Which clauses are important in 3CD while sanctioning loan
asked in ICICI Bank
Q5. What are the key skills of credit manager?

Interview questions from similar companies

I applied via LinkedIn and was interviewed before Dec 2020. There was 1 interview round.

Interview Questionnaire 

1 Question

  • Q1. If someone approaches you with a loan application then how would you decide whether to lend or not?
  • Ans. 

    I would assess the applicant's creditworthiness based on their credit history, income, and debt-to-income ratio.

    • Check the applicant's credit score and credit report

    • Verify their income and employment status

    • Calculate their debt-to-income ratio

    • Consider any past delinquencies or bankruptcies

    • Assess the purpose of the loan and the likelihood of repayment

    • Review any collateral offered as security

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - averagely easy because generally, they are more willing for the candidate to join the company than the candidate.
If anybody knows the cons of working in the Indian private sector banks then he will never join or will not fall into the trap of a lucrative salary. Because the exit options from such roles are not good.

I applied via Naukri.com and was interviewed in Nov 2019. There were 3 interview rounds.

Interview Questionnaire 

4 Questions

  • Q1. How much cases you can process on daily basis?
  • Ans. 

    I can process around 20-25 cases on a daily basis depending on the complexity of the cases.

    • The number of cases processed depends on the complexity of the cases.

    • On average, I can process around 20-25 cases per day.

    • I prioritize cases based on their urgency and importance.

  • Answered by AI
  • Q2. Approval rate and delinquency rate of your current product.
  • Ans. 

    Our approval rate is 85% and delinquency rate is 5% for the current product.

    • Our approval rate is higher than industry average.

    • We have strict credit checks in place to maintain low delinquency rate.

    • We continuously monitor and analyze our approval and delinquency rates to make necessary adjustments.

    • For example, we recently increased our credit score requirement to reduce delinquency rate.

  • Answered by AI
  • Q3. Why you want to leave current organisation.
  • Q4. Questions on personal information

Interview Preparation Tips

Interview preparation tips for other job seekers - Keep Calm, express your expectations and experience confidently.

I applied via LinkedIn and was interviewed before Nov 2021. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. Tell me about your self
  • Q2. Take me through your cv
Round 3 - Aptitude Test 

You can just prepare well and be confident and you will get selected

Interview Preparation Tips

Interview preparation tips for other job seekers - Easy process keep up the attitude and do well in the one to one round you will get selected

I appeared for an interview before Apr 2016.

Interview Questionnaire 

5 Questions

  • Q1. Which clauses are important in 3CD while sanctioning loan
  • Ans. 

    Important clauses in 3CD for loan sanctioning

    • Clause 4 - Purpose of loan

    • Clause 5 - Amount of loan

    • Clause 6 - Repayment terms

    • Clause 7 - Security for loan

    • Clause 8 - Interest rate

    • Clause 9 - Default and consequences

  • Answered by AI
  • Q2. Tell me profit and loss ratios
  • Ans. 

    Profit and loss ratios are financial metrics used to assess the profitability of a company.

    • Profit ratio measures the percentage of profit earned on sales.

    • Gross profit ratio is calculated by dividing gross profit by net sales.

    • Net profit ratio indicates the percentage of net profit earned on sales.

    • Operating profit ratio measures the profitability of core operations.

    • Return on investment (ROI) is a common profitability rat

  • Answered by AI
  • Q3. Balance sheet ratios
  • Q4. Diffrence between concurrent audit and statutory audit
  • Ans. 

    Concurrent audit is conducted during the course of business operations, while statutory audit is conducted at the end of the financial year.

    • Concurrent audit is performed concurrently with the operations of the organization.

    • Statutory audit is conducted to ensure compliance with legal and regulatory requirements.

    • Concurrent audit helps in detecting and preventing frauds and errors in real-time.

    • Statutory audit provides an ...

  • Answered by AI
  • Q5. If someone is earning less than EMI should he take a loan or not
  • Ans. 

    No, someone earning less than EMI should not take a loan.

    • Taking a loan when earning less than the EMI can lead to financial strain and difficulty in repayment.

    • It is important to have a stable income that can comfortably cover the loan repayment.

    • If someone is already struggling to meet their financial obligations, taking on additional debt can worsen their situation.

    • It is advisable to explore alternative options such as...

  • Answered by AI

Interview Preparation Tips

College Name: ICAI

I applied via Campus Placement and was interviewed before May 2021. There was 1 interview round.

Round 1 - Technical 

(1 Question)

  • Q1. 1. tell me about yourself 2. what will your check while giving loans to clients? 3. what is debt service coverage ratios? 4. what is cibil? 5. what is your family background

Interview Preparation Tips

Interview preparation tips for other job seekers - it was easy to average. be prepared with come ratios .

I appeared for an interview before Dec 2020.

Interview Questionnaire 

2 Questions

  • Q1. About the company
  • Q2. About latest general knowledge questions

Interview Preparation Tips

Interview preparation tips for other job seekers - Being confident and free

Interview Questionnaire 

1 Question

  • Q1. Product knowledge, FINANCIAL formulas, Market experience

I applied via Campus Placement and was interviewed before Feb 2021. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all tips
Round 2 - HR 

(1 Question)

  • Q1. Tell me about yourself.

Punjab National Bank Interview FAQs

How many rounds are there in Punjab National Bank Credit Manager interview?
Punjab National Bank interview process usually has 1 rounds. The most common rounds in the Punjab National Bank interview process are Aptitude Test.
What are the top questions asked in Punjab National Bank Credit Manager interview?

Some of the top questions asked at the Punjab National Bank Credit Manager interview -

  1. What is the role of CERSAI port...read more
  2. Type of Char...read more

Tell us how to improve this page.

Punjab National Bank Credit Manager Interview Process

based on 1 interview

Interview experience

4
  
Good
View more
Punjab National Bank Credit Manager Salary
based on 46 salaries
₹8 L/yr - ₹22 L/yr
105% more than the average Credit Manager Salary in India
View more details

Punjab National Bank Credit Manager Reviews and Ratings

based on 10 reviews

2.4/5

Rating in categories

1.9

Skill development

2.3

Work-life balance

2.7

Salary

4.0

Job security

1.5

Company culture

3.0

Promotions

1.7

Work satisfaction

Explore 10 Reviews and Ratings
Manager
211 salaries
unlock blur

₹7 L/yr - ₹25 L/yr

Senior Manager
175 salaries
unlock blur

₹10 L/yr - ₹32 L/yr

Chief Manager
160 salaries
unlock blur

₹13.7 L/yr - ₹50.5 L/yr

Assistant Manager
120 salaries
unlock blur

₹4 L/yr - ₹13 L/yr

Assistant General Manager
73 salaries
unlock blur

₹11.8 L/yr - ₹50.2 L/yr

Explore more salaries
Compare Punjab National Bank with

HDFC Bank

3.9
Compare

ICICI Bank

4.0
Compare

Axis Bank

3.7
Compare

Kotak Mahindra Bank

3.7
Compare
Did you find this page helpful?
Yes No
write
Share an Interview