Standard Chartered Relationship Manager Interview Questions and Answers

Generic Aptitude Questions

Q1. Your Overall Job Experience
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Q1. Hands on Experience related questions
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Q1. What is your work experience?
Ans. 
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
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Q2. Please tell me about work of business loan, Secured, unsecured, CC, OD, working capital, LAP.
Ans. 
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
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Q3. Please tell me about your family members
Ans. 
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
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Q1. What is working capital
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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
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Q2. What is DSCR Ratio
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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
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