Standard Chartered Relationship Manager Interview Questions and Answers

An offer letter is a formal document that outlines the terms and conditions of a job offer.

• Contains details such as job title, salary, start date, benefits, and any conditions of employment.

• Typically includes a deadline for accepting the offer and instructions on how to do so.

• May also include information on background checks, drug tests, and other pre-employment requirements.

I will provide details on mail as requested.

• I will include all relevant information in the email.

• I will ensure the email is clear and concise.

• I will address any specific questions or concerns mentioned in the interview.

I have 5 years of experience working as a Relationship Manager in the banking industry.

• Managed a portfolio of high net-worth clients

• Developed and maintained relationships with clients to understand their financial needs

• Provided personalized financial solutions and advice to clients

• Collaborated with internal teams to ensure seamless delivery of services

• Achieved sales targets and contributed to the overall growth of the

Business loans can be secured or unsecured, with options like CC, OD, working capital, and LAP available for businesses.

• Business loans can be secured by collateral such as property or equipment, providing a lower interest rate.

• Unsecured loans do not require collateral but may have higher interest rates to compensate for the risk.

• CC (Cash Credit) is a type of loan where the borrower can withdraw funds up to a certain li...read more

I come from a close-knit family of five, including my parents, older sister, and younger brother.

• Parents are both retired and enjoy traveling

• Older sister is a lawyer and lives in a different city

• Younger brother is studying engineering at university

Working capital is the difference between a company's current assets and current liabilities.

• Working capital is essential for a company's day-to-day operations.

• It indicates the company's ability to meet its short-term financial obligations.

• Formula: Working Capital = Current Assets - Current Liabilities

• Examples: Cash, accounts receivable, inventory are current assets. Accounts payable, short-term loans are current liabi

DSCR Ratio is Debt Service Coverage Ratio, a financial metric used to measure a company's ability to cover its debt obligations.

• DSCR Ratio is calculated by dividing a company's operating income by its total debt service payments.

• A DSCR Ratio of 1 or higher indicates that a company is generating enough income to cover its debt payments.

• Lenders typically look for a DSCR Ratio of 1.25 or higher when evaluating a company's