SMC Global Securities Credit Manager Interview Questions and Answers

Q1. Introduction myself
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Q2. Fresher ya experience
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Easy to Moderate questions mostly LR, QA and verbal

Q1. Fiscal Policy, Monetary Policy, Golden Rules of Accounting, Fixed Income Markets
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Q1. GST, GDP, Microeconomics and Macroeconomics
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Q1. Behavioural questions
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Q1. What is credit rating
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Credit rating is an evaluation of the creditworthiness of an individual or entity based on their financial history and ability to repay debts.
• Credit rating is a measure of the likelihood that a borrower will default on their debt obligations.

• It is assigned by credit rating agencies such as Standard & Poor's, Moody's, and Fitch.

• Credit ratings range from AAA (highest) to D (default).

• Higher credit ratings indicate lower r...read more
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Q2. How to determine risk
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Risk can be determined by analyzing financial statements, credit history, industry trends, and economic conditions.
• Analyze financial statements to assess liquidity, profitability, and leverage ratios

• Review credit history to evaluate past payment behavior and outstanding debts

• Consider industry trends and competitive landscape to understand external risks

• Assess economic conditions such as interest rates, inflation, and G
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Q1. Tell me something about youself
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I am a detail-oriented and experienced Credit Manager with a strong background in financial analysis and risk assessment.
• I have X years of experience in credit management

• I am skilled in financial analysis and risk assessment

• I have a proven track record of reducing bad debt and improving cash flow

• I am detail-oriented and organized in my approach to credit management

• I have strong communication and negotiation skills
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Q1. About financial
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Financial modeling using 3 statements

English, logical and analytical reasoning

English language, quantitative aptitude, logical reasoning, and data interpretaion

Q1. CV related questions
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Q2. General knowledge of finance and economics
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Q1. General discussion
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Finance, economics and quants based test

Q1. Question about market
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Q1. Sector performance, financial statements
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