SMERA Ratings Associate Analyst Interview Questions and Answers

A bond is a debt security that represents a loan made by an investor to a borrower.

• Bonds are issued by governments, municipalities, and corporations.

• They are used to raise capital and finance projects.

• Different types of bonds include government bonds, corporate bonds, municipal bonds, and convertible bonds.

• Government bonds are issued by national governments and are considered low-risk.

• Corporate bonds are issued by comp...read more

My specialisation subjects in BBA include marketing, finance, human resource management, and operations management.

• Marketing involves understanding consumer behavior and creating strategies to promote products or services.

• Finance focuses on managing funds, investments, and financial planning.

• Human resource management deals with recruiting, training, and managing employees.

• Operations management involves overseeing produ...read more

My favorite subject is history because I enjoy learning about past events and how they have shaped the world we live in today.

• I find studying different time periods and cultures fascinating

• I enjoy analyzing historical documents and artifacts

• I like understanding how historical events have influenced current societies and politics

Yes, I am comfortable with night shifts as I have prior experience working in night shifts.

• I have previous experience working night shifts in my previous job.

• I am able to adjust my sleep schedule to accommodate night shifts.

• I understand the importance of being alert and focused during night shifts.

• I am willing to work night shifts if required for the role.

My hobbies include hiking, painting, and playing the guitar.

• Hiking: I enjoy exploring nature trails and challenging myself physically.

• Painting: I find relaxation and creativity in expressing myself through art.

• Playing the guitar: I love learning new songs and improving my musical skills.

My parents work in education and my siblings work in finance and healthcare.

• Parents work in education

• Siblings work in finance and healthcare

Turn-in in case of lease refers to returning the leased asset at the end of the lease term. Lease differs from a loan in terms of ownership and repayment structure. Overcollateralisation is when the collateral value exceeds the loan amount.

• Turn-in in lease means returning the leased asset to the lessor at the end of the lease term.

• Lease is a contractual agreement where the lessee pays for the use of an asset owned by t...read more

Credit analysis involves evaluating the creditworthiness of a borrower to determine the likelihood of repayment.

• Gather financial information about the borrower, including income, assets, and liabilities

• Assess the borrower's credit history and credit score

• Analyze the borrower's debt-to-income ratio and other financial ratios

• Consider external factors such as economic conditions and industry trends

• Make a recommendation on...read more

Assessing business risk involves evaluating various parameters.

• Financial stability and performance

• Market competition and trends

• Regulatory compliance and legal issues

• Management team and corporate governance

• Industry and macroeconomic factors

• Brand reputation and customer satisfaction

• Supply chain and operational risks