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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 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...
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Interview questions from similar companies
Interview Preparation Tips
Experience: Initial shortlisting was based on resume where CGPA cutoff was around 8.
Round: Test
Experience: Questions were related to Data interpretation and Aptitude,which mostly tests a person's patience too.Around 20-25 were shortlisted after this round.
Round: Case Study Interview
Experience: Questions relating to case studies and course done in your maths were asked.
Round: HR Interview
Experience: In this round,the candidate was asked to talk about himself, his qualities and mostly the activities he was involved in the past 4-5 years of his life.
Skill Tips: A proper revision of math courses will also be useful during interviews and can do much better by having preparation in case studies.
Skills: Good communication skills
College Name: IIT MADRAS
I applied via Referral and was interviewed before Dec 2019. There was 1 interview round.
Interview Questionnaire
3 Questions
- Q1. What products would you process with Axis Bank .?
- Ans.
Axis Bank offers a range of products for processing including loans, credit cards, savings accounts, and investment options.
Loans such as personal loans, home loans, and car loans
Credit cards with various rewards and benefits
Savings accounts with competitive interest rates
Investment options such as mutual funds and fixed deposits
- Q2. How do you deal with your customers.?
- Q3. Wht are the details of Business you would collect.?
- Ans.
As a Credit Analyst, I would collect details about the business to assess its creditworthiness.
Business financial statements (income statement, balance sheet, cash flow statement)
Credit history and payment behavior
Industry trends and market conditions
Management team and their experience
Collateral and assets
Legal and regulatory compliance
Customer base and revenue streams
Interview Preparation Tips
I applied via Walk-in and was interviewed before Oct 2020. There were 3 interview rounds.
Interview Questionnaire
1 Question
- Q1. Asked about career expectations
Interview Preparation Tips
I applied via Company Website and was interviewed in Sep 2020. There were 3 interview rounds.
Interview Questionnaire
2 Questions
- Q1. Basel regulatory
- Q2. Implementation knowledge
Interview Preparation Tips
I applied via Referral and was interviewed in Dec 2020. There were 3 interview rounds.
Interview Questionnaire
1 Question
- Q1. Technical part of your related profile like in my case they asked me how you’ll fund a salary employee and similar question related to business
Interview Preparation Tips
I applied via Campus Placement and was interviewed before Jan 2021. There was 1 interview round.
Interview Questionnaire
3 Questions
- Q1. I was asked 3 Guesstimates. They weren't that difficult. They only wanted to see the process I took to get to the answer. The answer need not be correct.
- Q2. They asked me what I thought about team work and how every team member's contribution is needed for the success of the project.
- Q3. I talked about my work ex in Tableau so they asked what kind of work I did there.
Interview Preparation Tips
I applied via Campus Placement and was interviewed before Aug 2020. There were 4 interview rounds.
Interview Questionnaire
6 Questions
- Q1. SQL JOINS
- Q2. Python Packages
- Ans.
Python packages are pre-written code libraries that can be imported and used in Python programs.
Packages contain modules, which contain functions and classes
Packages can be installed using pip or conda
Popular packages include NumPy, Pandas, and Matplotlib
- Q3. Python Projects mentioned in the resume
- Q4. Basic HR questions
- Q5. Puzzles
- Q6. Basics about loans default in banking
Interview Preparation Tips
Revise SQL, SAS, and Python if you are targeting a role in the business intelligence unit of axis bank
Selected
I applied via Campus Placement and was interviewed before Aug 2023. There was 1 interview round.
(2 Questions)
- Q1. What are the component of FS
- Ans.
The components of FS refer to the financial statements, including the balance sheet, income statement, and cash flow statement.
Balance Sheet: Shows a company's assets, liabilities, and shareholders' equity at a specific point in time.
Income Statement: Summarizes a company's revenues, expenses, and profits over a specific period of time.
Cash Flow Statement: Reports a company's cash inflows and outflows during a specific
- Q2. Scenario based questions
Skills evaluated in this interview
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State Bank of India Credit Analyst Interview Process
based on 2 interviews
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State Bank of India Credit Analyst Reviews and Ratings
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Rating in categories
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614
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|  ₹7.2 L/yr - ₹28 L/yr |
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Assistant Manager
577
salaries
| ₹5.4 L/yr - ₹20 L/yr |
|
Manager
520
salaries
| ₹10 L/yr - ₹40 L/yr |
|
Chief Manager
370
salaries
| ₹15 L/yr - ₹50 L/yr |
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314
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