State Bank of India Credit Risk Analyst Interview Questions and Answers

Q1. Experience with Cloud services
Ans. 
I have experience working with cloud services such as AWS, Azure, and Google Cloud.
• Managed data storage and processing on AWS S3 and EC2 instances

• Utilized Azure Machine Learning for predictive modeling

• Implemented Google Cloud Platform for real-time data analytics
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Q2. Familiarity with PySpark
Ans. 
PySpark is a Python API for Apache Spark, used for big data processing and analytics.
• PySpark is a Python API for Apache Spark, a distributed computing system.

• It allows for parallel processing of large datasets using Spark's distributed framework.

• PySpark provides high-level APIs in Python for Spark programming, making it easier to work with big data.

• Example: PySpark can be used for data preprocessing, machine learning,
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Reasoning, quantitative skills, and English language proficiency.

Q1. How should one prepare for analyzing financial statements, balance sheets, and assessing limits?
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Q1. Do you have knowledge of banking industry
Ans. 
Yes, I have knowledge of the banking industry.
• I have a degree in finance and have worked in banking for 5 years.

• I am familiar with banking regulations and procedures.

• I have experience in credit processing and loan approvals.

• I have attended industry conferences and workshops to stay updated on industry trends.
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Q2. Do you know the market
Ans. 
Yes, I am familiar with the market trends, competitors, and customer preferences.
• I regularly research market trends and competitor activities to stay updated

• I analyze customer feedback and preferences to understand market demands

• I attend industry conferences and networking events to stay connected with market influencers
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Q3. Do you belong to commerce background
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Q4. Have ever seen audited financial statements
Ans. 
Yes, I have seen audited financial statements during my previous role as a financial analyst.
• Yes, I have reviewed audited financial statements as part of my job responsibilities.

• I have experience analyzing financial data and ensuring accuracy in financial reports.

• I am familiar with the process of auditing financial statements to ensure compliance with regulations and standards.
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Q5. Do you know banking terms
Ans. 
Yes, I am familiar with banking terms.
• I am familiar with terms like APR, overdraft, collateral, and interest rates.

• I understand terms related to credit processing such as credit score, credit limit, and credit utilization.

• I am knowledgeable about terms like debit card, savings account, checking account, and loan.

• I have experience with terms like mortgage, compound interest, principal, and escrow.
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Q1. How do you fund a applicant
Ans. 
Funding an applicant involves evaluating their creditworthiness and determining the appropriate amount and terms of the loan.
• Evaluate the applicant's credit history, income, and debt-to-income ratio

• Determine the appropriate loan amount based on the applicant's financial situation

• Decide on the terms of the loan including interest rate, repayment period, and collateral requirements

• Obtain necessary documentation such as p...read more
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Q2. Ratios analysis , banking analaysis
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IBPS takes test moderate to high

Q1. Assessment of working capital
Ans. 
Assessment of working capital involves analyzing a company's current assets and liabilities to determine its ability to meet short-term financial obligations.
• Calculate working capital by subtracting current liabilities from current assets.

• A positive working capital indicates the company has enough assets to cover its short-term debts.

• A negative working capital may signal financial trouble and the need for additional fu...read more
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Q2. Why do you wan tot join banj
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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...read more
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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
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