State Bank of India Credit Officer Interview Questions and Answers

Verbal and novarbal questions

Q1. About your self?
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Q2. Tell about your previous experience?
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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. Basic hr and technical questions
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Q2. What is lgd, pd
Ans. 
LGD stands for Loss Given Default and PD stands for Probability of Default. They are key metrics used in credit risk assessment.
• LGD (Loss Given Default) represents the percentage of a loan that is lost if the borrower defaults.

• PD (Probability of Default) is the likelihood that a borrower will default on a loan within a given time frame.

• Both LGD and PD are important factors in determining the overall credit risk of a bo...read more
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Football in india and how government can promote other games

Q1. Ratio Analysis CR DER DSCR ICR
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Q2. SAM MSME Classification
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Study well about Financial like ITR , Audit report,3CB,3CD, P&L , B/S,GST3B, CAM PREPARATION,Kyc related, Basic LAP,HL Policy, mortgage lending,CIBIL,crif

IBPS PO prelims conducted on an yearly basis

IBPS Mains exam after clearing prelims

Q1. Tell us something about yourself
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Q2. What are 5Cs of marketing
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The 5Cs of marketing are Customer, Company, Competitors, Collaborators, and Climate.
• Customer: Understanding the needs and preferences of the target market.

• Company: Analyzing the company's strengths and weaknesses in relation to the market.

• Competitors: Identifying and assessing the strengths and weaknesses of competitors.

• Collaborators: Building relationships with suppliers, distributors, and other partners.

• Climate: Cons...read more
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Q3. Questions on Budget and Economic Survey
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Q1. Job profile what I was doing
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Q2. What is mpbf method
Ans. 
MPBF method stands for Maximum Permissible Bank Finance method used to calculate the maximum amount of loan that can be sanctioned to a borrower.
• MPBF is calculated based on the borrower's working capital cycle, inventory holding period, receivables collection period, and payables deferral period.

• It is used by banks to determine the maximum amount of loan that can be sanctioned to a borrower.

• MPBF method helps in assessi...read more
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Q1. What is DSCR and working capital
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DSCR stands for Debt Service Coverage Ratio, which measures a company's ability to pay its debts. Working capital is the difference between current assets and current liabilities.
• DSCR is calculated by dividing a company's operating income by its debt obligations. A ratio above 1 indicates the company can cover its debts.

• Working capital is essential for day-to-day operations and is calculated as current assets minus cur...read more
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Q2. What is DSCR and iscr
Ans. 
DSCR stands for Debt Service Coverage Ratio and ISCR stands for Interest Service Coverage Ratio.
• DSCR measures a company's ability to pay its debt obligations with its operating income.

• A DSCR of 1 means the company is just able to cover its debt payments, while a DSCR above 1 indicates the company has more income than debt obligations.

• ISCR specifically focuses on the ability to cover interest payments with operating inc
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Q1. How long you will take to join
Ans. 
I am available to join within two weeks of receiving a job offer.
• I will need to provide a two-week notice to my current employer before starting a new position.

• I may need some time to wrap up any ongoing projects or hand over responsibilities to a colleague.

• I am excited about the opportunity and will make sure to transition smoothly into the new role.
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Q2. How much salary you will take
Ans. 
I am looking for a competitive salary based on my qualifications and experience.
• I am open to discussing salary based on the responsibilities and requirements of the role

• I have researched the average salary range for Credit Officers in this industry

• I am looking for a salary that reflects my skills and contributions to the company
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