TJSB Sahakari Bank Credit Analyst Interview Questions and Answers

Easy, logical reasoning

Q1. Why South Indian Bank?
Ans. 
South Indian Bank has a strong reputation for stability, growth, and customer service in the banking industry.
• South Indian Bank has a long history of financial stability and growth, making it a reliable choice for customers and investors.

• The bank has a strong focus on customer service, ensuring that clients receive personalized attention and support.

• South Indian Bank has a wide network of branches and ATMs, making it c...read more
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Q2. AI in Banking and the transformation
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AI in banking is transforming the industry by improving customer service, risk management, and operational efficiency.
• AI is being used in banking for customer service through chatbots and virtual assistants.

• AI helps in risk management by analyzing large amounts of data to detect fraud and assess credit risk.

• AI improves operational efficiency by automating repetitive tasks such as data entry and document processing.

• Exam...read more
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Q1. What kind of Ratios analyse by credit manager
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Credit managers analyze various ratios to assess the creditworthiness of a borrower.
• Liquidity ratios (e.g. current ratio, quick ratio)

• Profitability ratios (e.g. return on assets, return on equity)

• Leverage ratios (e.g. debt to equity ratio)

• Efficiency ratios (e.g. asset turnover ratio)

• Coverage ratios (e.g. interest coverage ratio)
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Q2. Few points regarding CSB Bank
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Q3. What kind of work performed by credit manager
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Q1. When compared to other banks reason for selecting CSB BANK
Ans. 
CSB Bank stood out due to its strong financial performance, customer-centric approach, and innovative products.
• CSB Bank has consistently shown strong financial performance, with steady growth in revenue and profits.

• The bank has a reputation for being customer-centric, offering personalized services and quick decision-making processes.

• CSB Bank is known for its innovative products and services, such as digital banking so...read more
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Q2. Self Introduction
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Q3. What do you know about our bank
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Q4. Reason for selecting banking industry
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I selected the banking industry due to its stability, growth opportunities, and the chance to work with diverse clients.
• Stability: Banking industry is known for its stability even during economic downturns.

• Growth opportunities: There are various career advancement opportunities within the banking sector.

• Working with diverse clients: Banking allows me to interact with clients from different backgrounds and industries.
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Q1. About existing role
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Q2. About yourself and why looking for a change
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Q1. Salary related questions
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Q1. Work experience
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Policy and share experience

Q1. In this round HR ask question from my CV.
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Q2. How can handle HL and LAP product
Ans. 
Handling HL and LAP products requires thorough knowledge of credit policies, risk assessment, and customer profiling.
• Understand the credit policies and guidelines of the organization

• Conduct a thorough risk assessment of the borrower and collateral

• Profile the customer to understand their financial background and repayment capacity

• Ensure timely disbursement and monitoring of the loan

• Maintain regular communication with th...read more
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Q3. What is difference between housing loan and mortgage loan
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Housing loan is for purchasing or constructing a house, while mortgage loan is secured by a property as collateral.
• Housing loan is used for buying or building a house, while mortgage loan can be used for any purpose but is secured by a property as collateral.

• Housing loan is typically for a longer term and has lower interest rates than mortgage loan.

• Mortgage loan can be used to refinance an existing loan or to consolida...read more
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Q4. Which one is eligible for housing and mortgage loan and other loan
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Individuals with stable income, good credit score, and sufficient collateral are eligible for housing, mortgage, and other loans.
• Stable income is a key factor in loan eligibility

• Good credit score indicates creditworthiness and repayment capability

• Sufficient collateral provides security to the lender

• Other factors such as age, employment history, and debt-to-income ratio may also be considered

• Examples of collateral inclu
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Q1. What is underwriting
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Underwriting is the process of evaluating the risk of lending money to a borrower.
• Underwriting involves analyzing the borrower's creditworthiness, financial history, and ability to repay the loan.

• The underwriter also assesses the value of the collateral, if any, that the borrower is offering to secure the loan.

• Based on this analysis, the underwriter decides whether to approve or deny the loan, and what terms and condit...read more
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Q2. How can you are calculate income if customer not filing the income tax return in business class
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To calculate income for a customer not filing income tax return in business class, alternative methods can be used.
• Review bank statements and financial records to identify income sources and patterns

• Consider industry benchmarks and market research to estimate income

• Assess the customer's assets, investments, and property ownership to determine potential income

• Analyze the customer's business expenses and profit margins t...read more
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Q3. What is the LTV ratio as per the RBI norms
Ans. 
The LTV ratio as per RBI norms varies based on the type of loan and collateral.
• For home loans up to Rs. 75 lakh, the LTV ratio is 90%

• For loans above Rs. 75 lakh, the LTV ratio is 80%

• For loans against gold jewellery, the LTV ratio is 75%

• For loans against fixed deposits, the LTV ratio is 90%

• The LTV ratio is the ratio of the loan amount to the value of the collateral

• RBI periodically reviews and revises the LTV ratio norms
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Q4. How can you conduct PD in case of Street shops
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PD for street shops can be conducted through a combination of on-site visits, financial analysis, and market research.
• Conduct on-site visits to observe the shop's location, foot traffic, and overall appearance.

• Analyze the shop's financial statements, including income statements and balance sheets.

• Research the local market to understand competition and demand for the shop's products or services.

• Consider the shop owner's...read more
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Q5. How can you access the income of Kirana shopkeeper
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The income of a Kirana shopkeeper can be accessed through various methods.
• One can ask for the shop's financial statements and tax returns.

• One can also observe the shop's daily sales and estimate the income.

• Additionally, one can ask for references from suppliers or other business partners.

• Finally, one can conduct a credit check to determine the shop's creditworthiness.

• It is important to respect the shopkeeper's privacy
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Q6. How can we calculate income of pandit
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The income of a pandit can be calculated based on their profession and the services they provide.
• Calculate the fees charged by the pandit for various services like performing puja, conducting rituals, etc.

• Consider the number of clients the pandit serves in a month or year.

• Take into account any additional income sources like teaching or writing books on Hinduism.

• Compare the income with the average income of pandits in t...read more
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Q7. What is the parameter of cibil
Ans. 
CIBIL is a credit information company that maintains credit records of individuals and companies.
• CIBIL stands for Credit Information Bureau (India) Limited.

• It maintains credit records of individuals and companies, including their credit history, credit score, and creditworthiness.

• The credit score ranges from 300 to 900, with a higher score indicating better creditworthiness.

• Lenders use CIBIL reports to evaluate the cre...read more
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Q1. What is the main thing in any valuation and technical report
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The main thing in any valuation and technical report is accuracy.
• Accuracy is crucial in any valuation and technical report.

• The report should be based on reliable data and calculations.

• The report should be free from errors and inconsistencies.

• The report should be able to provide a clear and concise picture of the subject being evaluated.

• For example, in a credit report, accuracy is important in determining the creditwort
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Q2. What is the legal report which document is mandatory for em creation
Ans. 
The legal report mandatory for EM creation is the credit report.
• The credit report is a detailed summary of an individual's credit history and financial behavior.

• It includes information on credit accounts, payment history, outstanding debts, bankruptcies, and other financial data.

• Lenders use credit reports to assess the creditworthiness of a borrower and determine the risk of lending money to them.

• The credit report is m...read more
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Q3. Why 13 years flow is mandatory for any any legal report
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13 years flow is mandatory for any legal report to ensure accuracy and completeness of information.
• The 13-year time frame is based on the statute of limitations for most legal claims.

• It allows for a comprehensive review of the borrower's credit history and financial behavior.

• It also helps to identify any patterns or trends in the borrower's creditworthiness.

• Examples of legal reports that require a 13-year flow include ...read more
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Q4. What is the incumbrance and CERSAI
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Incumbrance refers to a claim or lien on a property, while CERSAI is a central registry for security interests on movable assets.
• Incumbrance can be in the form of a mortgage, a lien, or a charge on a property.

• CERSAI stands for Central Registry of Securitisation Asset Reconstruction and Security Interest of India.

• CERSAI is a government-owned company that maintains a central registry of security interests on movable asse...read more
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Q1. Risk management
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Q2. Credit analysis
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Carrier and ambition of life

Q1. Why do you want to do this job?
Ans. 
I am passionate about analyzing financial data and helping individuals and businesses make informed credit decisions.
• Enjoy analyzing financial data and assessing credit risk

• Passionate about helping individuals and businesses make informed credit decisions

• Excited about the opportunity to contribute to the financial health of clients

• Seeking a challenging and rewarding career in the financial industry
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Q2. What do you know about Credit Officer?
Ans. 
Credit Officers are responsible for evaluating and approving loan applications, assessing creditworthiness, and managing risk for financial institutions.
• Evaluate loan applications to determine creditworthiness

• Assess risk and make decisions on loan approvals

• Monitor and manage existing loan portfolios

• Ensure compliance with regulations and policies

• Communicate with clients to gather necessary information

• Analyze financial s...read more
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It was an automated video interview and it was amazing and interesting.