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Svatantra Micro Housing Finance Corporation Limited Credit Officer Interview Questions and Answers
Svatantra Micro Housing Finance Corporation Limited Credit Officer Interview Experiences
2 interviews found
Selected
I applied via Campus Placement and was interviewed before Oct 2023. There were 3 interview rounds.
General test consist of reasoning and general knowledge questions
One topic is given to one group and one group consist of 6-7 members
(3 Questions)
- Q1. Credit related questions asked
- Q2. Brief intro about your self
- Ans.
Experienced credit officer with a strong background in financial analysis and risk assessment.
Over 5 years of experience in credit analysis and underwriting
Proficient in financial statement analysis and risk management
Strong attention to detail and ability to make sound credit decisions
Excellent communication skills and ability to work effectively in a team
Proven track record of managing credit portfolios and mitigatin
- Q3. What do you understand by need for home
- Ans.
The need for home refers to the basic human requirement for shelter and security.
Home provides a sense of stability and belonging
It offers protection from the elements and potential dangers
A home is a place where individuals can relax and recharge
Having a home can improve mental and emotional well-being
Homeownership can also provide financial stability and a sense of accomplishment
Interview Preparation Tips
- Demonetisation
- black money
- women empowerment
I applied via Naukri.com and was interviewed in Feb 2021. There were 3 interview rounds.
Interview Questionnaire
3 Questions
- Q1. Experience in home loan industry
- Q2. Aptitude Question
- Q3. Integrity
Credit Officer Jobs at Svatantra Micro Housing Finance Corporation Limited
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I applied via Company Website
(5 Questions)
- Q1. How to location
- Q2. Sir this work from home
- Q3. Payment is hand sir
- Q4. Sir how to my work
- Q5. Sir good company this very nice
Cluster Credit Manager Interview Questions & Answers
Kotak Securities
Anonymous
posted on 15 Apr 2024
Online test was conducted by placement
Moneyless economy in India; advantages ve disadvantages
(1 Question)
- Q1. Why do you want to work in sales
Branch Credit Manager Interview Questions & Answers
Aadhar Housing Finance
Anonymous
posted on 30 Oct 2023
Selected
I applied via Referral and was interviewed in Sep 2023. There were 3 interview rounds.
(1 Question)
- Q1. Good hr policy and good to talk
Tcm rcm and zbh taken interview
Interview Preparation Tips
Selected
I applied via campus placement at Chitkara Business School, Patiala and was interviewed in Dec 2022. There were 3 interview rounds.
(1 Question)
- Q1. Tell us about financial ratios, what do you understand from bank statement of a person?
- Ans.
Financial ratios are tools used to analyze a company's financial performance and health. Bank statements provide a snapshot of an individual's financial transactions and balances.
Financial ratios are used to evaluate a company's profitability, liquidity, solvency, and efficiency.
Examples of financial ratios include debt-to-equity ratio, current ratio, return on equity, and gross margin.
Bank statements show a person's i...
(1 Question)
- Q1. How long do you see with our company
Selected
I applied via Company Website and was interviewed before Mar 2023. There were 2 interview rounds.
(2 Questions)
- Q1. What is DSCR? How is it important?
- Ans.
DSCR stands for Debt Service Coverage Ratio. It is a financial metric used to evaluate a company's ability to pay its debt obligations.
DSCR is calculated by dividing a company's operating income by its total debt service obligations.
A DSCR of 1 or higher indicates that a company is generating enough income to cover its debt payments.
Lenders often use DSCR to assess the creditworthiness of a borrower before extending a ...
- Q2. What ratios are important and why?
- Ans.
Important ratios for credit analysis include debt-to-equity, current ratio, and interest coverage ratio.
Debt-to-equity ratio: Indicates the proportion of debt used to finance a company's assets. A lower ratio is generally preferred.
Current ratio: Measures a company's ability to cover its short-term liabilities with its short-term assets. A ratio above 1 is ideal.
Interest coverage ratio: Shows a company's ability to pay...
(2 Questions)
- Q1. Tell me something about yourself?
- Q2. What did you do in your last organisation?
Interview Preparation Tips
Credit Underwriter Interview Questions & Answers
SBI Cards & Payment Services
Krishna “Krishna Kr” Kr
posted on 28 May 2022
There will be some question related to aptitude you to clear it for 2nd round
(1 Question)
- Q1. Hr will connect you for introduction and basic info and payout
(1 Question)
- Q1. Final round will be conduct by process manager
Interview Preparation Tips
(1 Question)
- Q1. Regarding the process of the role
(1 Question)
- Q1. Questions regarding Credit
Branch Credit Manager Interview Questions & Answers
Aadhar Housing Finance
Anonymous
posted on 23 Apr 2022
I was interviewed before Apr 2021.
(3 Questions)
- Q1. Good experience
- Q2. Discuss properly CTC
- Q3. As per experience current organisation and basr current CTC high
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Svatantra Micro Housing Finance Corporation Limited Interviews By Designations
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Svatantra Micro Housing Finance Corporation Limited Credit Officer Interview Process
based on 1 interview
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Svatantra Micro Housing Finance Corporation Limited Credit Officer Reviews and Ratings
based on 2 reviews
Rating in categories
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Credit Manager
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|  ₹4 L/yr - ₹5.5 L/yr |
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Credit Officer
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| ₹3 L/yr - ₹7 L/yr |
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Relationship Officer
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13
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| ₹4.2 L/yr - ₹10 L/yr |
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