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State Bank of India Credit Analyst Interview Questions and Answers
State Bank of India Credit Analyst Interview Experiences
2 interviews found
Anonymous
Selected
I applied via Company Website and was interviewed in Apr 2022. There were 3 interview rounds.
Written Entrance Exam for officer with subjects English, Logical Reasoning, Mathematics, General knowledge and Banking Awareness with Current Affairs and Computer Science. I was Selected in Merit. Got 54th Rank in Gen Category
(2 Questions)
- Q1. Interview was all about my Past experience and my previous job profile as I was already working in Banking Sector prior to joining in SBI. Based on my experience and satisfactory answers to the questions a...
- Q2. What is Turnover Method? What is Second Method of Lending? How to process a Working Capital Loan? How did you canvassed Current account in your previous organisation? Why you want to Join SBI?
- Ans.
Turnover Method is a method used by lenders to evaluate a borrower's creditworthiness based on their annual sales turnover.
Turnover Method involves calculating a borrower's credit limit based on a percentage of their annual sales turnover.
Second Method of Lending involves assessing a borrower's creditworthiness based on their financial statements, cash flow projections, and collateral.
Processing a Working Capital Loan ...
Selected
I applied via campus placement at RCM Science College, Khallikote and was interviewed before Apr 2023. There was 1 interview round.
(1 Question)
- Q1. Golden rules of Accounting
- Ans.
Golden rules of Accounting are basic principles that guide the process of recording financial transactions.
There are three golden rules of accounting: Debit what comes in, Credit what goes out, Debit the receiver, Credit the giver, Debit all expenses and losses, Credit all incomes and gains.
These rules help maintain the balance sheet and ensure accurate financial reporting.
For example, when a company receives cash from...
Interview questions from similar companies
(2 Questions)
- Q1. Why Bank of Baroda
- Ans.
Bank of Baroda is a reputable and established financial institution with a strong presence in the market.
Bank of Baroda has a long history of providing reliable banking services to customers.
The bank has a strong reputation for its ethical practices and customer-centric approach.
Bank of Baroda offers a wide range of financial products and services to meet the diverse needs of customers.
The bank has a strong presence bo...
- Q2. Why wholesale Banking
- Ans.
Wholesale banking offers exposure to a wide range of industries and financial products, providing a challenging and dynamic work environment.
Opportunity to work with diverse clients and industries
Involvement in complex financial transactions and structures
Exposure to a variety of financial products such as loans, trade finance, and treasury services
Opportunity for career growth and development in a fast-paced environme
Jana Anand
(1 Question)
- Q1. Tell me about your school and college exposure
- Ans. This is to check our communication skill
(1 Question)
- Q1. How does a bank analyse the creditworthiness of a company
- Ans.
Banks analyze the creditworthiness of a company by assessing its financial statements, credit history, industry trends, and management team.
Evaluate financial statements to assess profitability, liquidity, and leverage ratios
Review credit history and payment patterns to determine past credit behavior
Analyze industry trends and economic conditions to assess the company's competitive position
Assess the management team's ...
Interview Preparation Tips
(2 Questions)
- Q1. Basics of lending
- Q2. Financial Ratios
Yashika Garg
(1 Question)
- Q1. Tell me about yourself
- Ans.
I am a detail-oriented Credit Analyst with a strong background in financial analysis and risk assessment.
I have a Bachelor's degree in Finance and 3 years of experience in credit analysis.
I am proficient in financial modeling and have a strong understanding of credit risk management.
I have a track record of making sound credit decisions and improving credit processes.
I am skilled in analyzing financial statements, asse...
(1 Question)
- Q1. What documents to take for loan applications
- Ans.
Documents required for loan applications include proof of income, identification, credit history, and collateral.
Proof of income such as pay stubs or tax returns
Identification documents like driver's license or passport
Credit history report from credit bureaus
Collateral documentation for secured loans
Interview Preparation Tips
Darshan Tomar
Selected
I applied via Career portal and was interviewed in Aug 2023. There was 1 interview round.
(1 Question)
- Q1. Introduction and qualifications
Interview Preparation Tips
Credit Analyst Interview Questions & Answers
Bank of Baroda
Manoj Kumar Bhattaray
posted on 10 Jul 2024
(2 Questions)
- Q1. Key Ratios Cr DER ICR DSCR
- Q2. MSME Classification, PSC Corporate Credit
Interview Preparation Tips
I applied via Campus Placement and was interviewed in Oct 2022. There were 2 interview rounds.
(2 Questions)
- Q1. Why u want to get this job opportunity
- Q2. What ur elibijible criteria of qualifications
(6 Questions)
- Q1. You'll likely be asked more job-specific questions about how you might approach common challenges you'd face on the job. You might also be asked about your employment preferences such as salary, management...
- Q2. In your second interview, you’ll likely be asked more job-specific questions about how you might approach common challenges you’d face on the job.
- Q3. Likely asked more job-specific questions?
- Q4. How did you know about this job
- Q5. How u might approach common challenges if you in the job?
- Q6. Are able for this job or not?
Interview Preparation Tips
- Reasoning appritude test, generaawarness
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