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SANY CAPITAL Credit Risk Analyst Interview Questions and Answers for Experienced
SANY CAPITAL Credit Risk Analyst Interview Experiences for Experienced
1 interview found
Anonymous
Interview Questionnaire
3 Questions
- Q1. Financial P&L & Balance sheet , fund flow , cash flow
- Q2. Ratio analysis & Types of Ratio
- Ans.
Ratio analysis involves using financial ratios to evaluate a company's financial performance.
Ratio analysis is used to assess a company's liquidity, profitability, efficiency, and solvency.
Types of ratios include liquidity ratios, profitability ratios, efficiency ratios, and solvency ratios.
Liquidity ratios measure a company's ability to meet short-term obligations, such as the current ratio and quick ratio.
Profitabili...
- Q3. How to prepare CAM sheet
- Ans.
A CAM sheet is prepared by analyzing the creditworthiness of a borrower and includes details about the borrower's financials, business operations, and management.
Gather financial statements and other relevant documents from the borrower
Analyze the borrower's financial ratios and performance indicators
Assess the borrower's industry and market conditions
Evaluate the borrower's management team and their experience
Summariz...
Interview Preparation Tips
Interview questions from similar companies
I applied via Campus Placement and was interviewed in Feb 2021. There was 1 interview round.
Interview Questionnaire
3 Questions
- Q1. Why you want to join bank?
- Q2. What you was doing between completion of articleship to clearing your final exam?
- Q3. Family background and blood relation already in bank?
Sathish Thala
They ask about credit analysis
I applied via Referral and was interviewed in Oct 2021. There were 3 interview rounds.
Interview Questionnaire
6 Questions
- Q1. Previous company job role
- Q2. Product I handle
- Ans.
I handle credit products for various industries.
I manage credit lines and evaluate creditworthiness for clients in different sectors.
I analyze financial statements, credit reports, and other relevant data to assess risk.
I collaborate with sales teams to establish credit terms and conditions for customers.
I monitor credit limits, payment terms, and collections to ensure timely payments.
I provide recommendations for cred...
- Q3. Count of files per day I do
- Ans.
I process an average of 50 files per day.
On average, I handle 50 files daily.
The number of files I process per day is around 50.
I typically deal with approximately 50 files each day.
- Q4. About Visit to client
- Q5. Check points while underwriting
- Ans.
Check points while underwriting
Evaluate the borrower's credit history and credit score
Assess the borrower's income and employment stability
Review the borrower's debt-to-income ratio
Analyze the borrower's collateral or assets
Consider the borrower's repayment capacity
Verify the borrower's financial documents
Assess the borrower's payment history and credit utilization
Evaluate the borrower's industry and market conditions
- Q6. Any questions to ask
Interview Preparation Tips
Selected
I applied via Company Website and was interviewed before Mar 2022. There were 2 interview rounds.
(2 Questions)
- Q1. What is OTC and its functions
- Ans.
OTC stands for Over-The-Counter and refers to the trading of financial instruments directly between two parties without the involvement of an exchange.
OTC trading is done through a dealer network rather than a centralized exchange
OTC markets are less regulated than exchange-traded markets
OTC markets include trading of stocks, bonds, derivatives, and currencies
OTC trading allows for greater flexibility in terms of contr...
- Q2. Ageing bucket means and characteristics
- Ans.
Ageing bucket refers to the categorization of overdue debts based on the number of days they have been outstanding.
Ageing bucket is used to track the payment status of accounts receivable.
It helps in identifying the accounts that are overdue and need immediate attention.
The buckets are usually categorized as 0-30 days, 31-60 days, 61-90 days, and 90+ days.
The longer the debt remains unpaid, the higher the risk of defau...
Interview Preparation Tips
I applied via Campus Placement and was interviewed before May 2020. There were 3 interview rounds.
Interview Questionnaire
2 Questions
- Q1. Financial Analysis , Ratio Analysis, CMA Data , CIBIL etc
- Q2. Why you want to join us ?
Interview Preparation Tips
candidate should be conceptual clear on respective topic, updated regarding current economic affairs, RBI guidelines, MSME sector etc
VISHVA
Selected
I applied via Company Website and was interviewed in Feb 2024. There were 3 interview rounds.
Its an Assessment where they actually ask domain questions, MS - Excel, Email skills and general aptitude
Interview is my 2nd round
(1 Question)
- Q1. Here they will ask you family background and some basic process questions for name sake. If you already done your interview well then dont fear .If you want to prove you more just answer well and confident...
Interview Preparation Tips
Interview Questionnaire
1 Question
- Q1. How can you verify borrow house?
- Ans.
To verify a borrower's house, you can use various methods such as conducting property inspections, reviewing property documents, and checking property ownership records.
Conduct property inspections to physically verify the existence and condition of the house.
Review property documents like title deeds, sale agreements, and property tax receipts to ensure the borrower's ownership.
Check property ownership records at the ...
Interview Preparation Tips
Interviewer asked all questions of previous experience.
I applied via Campus Placement and was interviewed in Feb 2021. There was 1 interview round.
Interview Questionnaire
3 Questions
- Q1. Why you want to join bank?
- Q2. What you was doing between completion of articleship to clearing your final exam?
- Q3. Family background and blood relation already in bank?
I applied via Referral and was interviewed before Jan 2021. There were 4 interview rounds.
Interview Questionnaire
2 Questions
- Q1. Interview questions
- Q2. Interview for LAP Department will be basic from your past relevant experience as well as Financials ratios like DSCR, int coverage, cash profits, quasi capitals and how you understand mortgage products
Interview Preparation Tips
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