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TJSB Sahakari Bank Credit Officer Interview Questions and Answers
TJSB Sahakari Bank Credit Officer Interview Experiences
3 interviews found
Selected
I applied via Tjsb webside and was interviewed before Aug 2023. There were 2 interview rounds.
(3 Questions)
- Q1. About DSCR and other ratios
- Q2. About risk,kyc,other operational
- Q3. Why join tjsb bank
- Ans.
Joining TJSB Bank offers a strong reputation, growth opportunities, and a supportive work environment.
TJSB Bank has a strong reputation in the banking industry, providing stability and credibility for employees.
The bank offers growth opportunities through training programs, career advancement, and exposure to diverse banking functions.
Employees at TJSB Bank benefit from a supportive work environment, teamwork, and a fo...
(2 Questions)
- Q1. Salary discussion
- Q2. Some policy discussion
Interview Preparation Tips
ADHITA KULKARNI
Selected
I applied via Newspaper Ad and was interviewed in Oct 2022. There were 3 interview rounds.
(1 Question)
- Q1. What is Current Ratio
- Ans.
Current Ratio is a financial ratio that measures a company's ability to pay its short-term liabilities with its current assets.
Current Ratio = Current Assets / Current Liabilities
A higher current ratio indicates a better ability to pay off short-term debts
A current ratio of 1 or higher is generally considered good
Example: If a company has $100,000 in current assets and $50,000 in current liabilities, its current ratio
(1 Question)
- Q1. Documents rdquired for Housing Loan
Interview Preparation Tips
Selected
I applied via Company Website and was interviewed before Mar 2023. There were 2 interview rounds.
(3 Questions)
- Q1. Asking about your profile
- Q2. About job knowledge and experience
- Q3. Asking about proposed job
About case study, financial aspects
Interview Preparation Tips
- General questions
Top trending discussions
Interview questions from similar companies
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 14 Jul 2022
I applied via Walk-in and was interviewed before Jul 2021. There were 2 interview rounds.
10 complete through Assembly of God Church School
Interview Preparation Tips
- Operations
- Recruitment
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 19 Jan 2018
I applied via Other and was interviewed before Jan 2017. There were 4 interview rounds.
Interview Questionnaire
4 Questions
- Q1. HR executive Asking me my How was your experience in old company. and how handle client,how is process file punching. your comfort this job profile. you now current job profile.I have give satisfy answer...
- Q2. I am asking about what is the job profile of the company , how study new file.
- Q3. I am asking to HR Executive which salary make and how is increase salary appraisal wise or senior employees wise .
- Q4. What is the timing daily work.
Interview Preparation Tips
Experience: Branch Manager Give One new file than asking me how handle this client and how punched this case.
General Tips: I think every job seekers perfect his profile. minimum 80% knowledge his job profile.He already study against new company. collect his history and information.Any question asking hime but he give answer them confidently. he confidence looking first impression. he look show is perfect executive they good impression. Job seeker complitly real situation tell him. example asking question when que. related discussion must do not west time HR executive.
Skills: dont take work pressure, Communication, Body Language, Problem Solving, Analytical Skills, Leadership, Presentation Skills, Time Management, Decision Making Skills
Duration: <1 week
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 18 Nov 2020
I applied via Naukri.com and was interviewed before Nov 2019. There was 1 interview round.
Interview Questionnaire
5 Questions
- Q1. What is CIBIL and Full Form of CIBIL?
- Q2. FOIR and IIR Description?
- Ans.
FOIR and IIR are ratios used by lenders to assess the creditworthiness of borrowers.
FOIR stands for Fixed Obligation to Income Ratio and is calculated by dividing the borrower's fixed obligations (such as loan EMIs, rent, etc.) by their monthly income.
IIR stands for Installment to Income Ratio and is calculated by dividing the borrower's total loan installments by their monthly income.
Both ratios help lenders determine...
- Q3. How to conduct PD With Customer?
- Q4. What is Credit 5cs?
- Ans.
Credit 5Cs is a framework used by lenders to evaluate the creditworthiness of a borrower.
The 5Cs are Character, Capacity, Capital, Collateral, and Conditions.
Character refers to the borrower's reputation and credit history.
Capacity refers to the borrower's ability to repay the loan.
Capital refers to the borrower's assets and net worth.
Collateral refers to the assets that can be used as security for the loan.
Conditions ...
- Q5. Credit Related Many Questions I.e.like ITR,ABB and Legal Report
Interview Preparation Tips
I applied via Walk-in and was interviewed before Jun 2020. There was 1 interview round.
Interview Questionnaire
4 Questions
- Q1. First impression with HR & Business Manager he check my body language family background etc its most important part your family background if you go there for interview than maintain your decorum simple s...
- Q2. All company need hord working person so if you go in pvt sector mentally strong
- Q3. If you go first time for interview and you selected in the company dont asked first for salary its go negative feedback
- Q4. Check company policy work culture and customer service, its most important part in all companies, so dont rude with customer in any work presure
Interview Preparation Tips
Credit Officer Interview Questions & Answers
Equitas Small Finance Bank
Anonymous
posted on 11 Jan 2020
I applied via Referral and was interviewed in Jul 2019. There were 5 interview rounds.
Interview Questionnaire
1 Question
- Q1. How I will do the pd and I could check the cibil and track. What question to ask from customer. What documents are required for processing the case for decision.
Interview Preparation Tips
I applied via Campus Placement and was interviewed in Nov 2021. There were 5 interview rounds.
Interview Questionnaire
4 Questions
- Q1. 5 C of credit
- Ans.
The 5 C's of credit are character, capacity, capital, collateral, and conditions.
Character refers to the borrower's credit history and reputation.
Capacity refers to the borrower's ability to repay the loan.
Capital refers to the borrower's financial resources and assets.
Collateral refers to the assets that can be used as security for the loan.
Conditions refer to the economic and industry factors that may affect the borr
- Q2. Home loan rates
- Q3. Calculate EMI
- Ans.
EMI can be calculated using the formula: EMI = [P x R x (1+R)^N]/[(1+R)^N-1]
EMI stands for Equated Monthly Installment
P is the principal amount borrowed
R is the rate of interest per month
N is the number of months for repayment
Example: If P = 1,00,000, R = 10% per annum, N = 12 months, then EMI = Rs. 8,792
- Q4. About internship
Interview Preparation Tips
It consist of 20 questions and no negative marking
It’s not group discussion it’s one to one discussion on particular topic
(2 Questions)
- Q1. Direct interview with technical team
- Q2. 5cs of credit Emi calculations
- Ans.
The 5 Cs of credit are character, capacity, capital, collateral, and conditions. EMI calculations involve determining monthly payments.
The 5 Cs of credit are important factors considered by lenders when evaluating a borrower's creditworthiness.
Character refers to the borrower's reputation and credit history.
Capacity refers to the borrower's ability to repay the loan.
Capital refers to the borrower's assets and net worth...
Interview Preparation Tips
TJSB Sahakari Bank Interview FAQs
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TJSB Sahakari Bank Interviews By Designations
- TJSB Sahakari Bank Credit Officer Interview Questions
- TJSB Sahakari Bank Senior Officer Interview Questions
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TJSB Sahakari Bank Credit Officer Interview Process
based on 3 interviews
Interview experience
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TJSB Sahakari Bank Credit Officer Reviews and Ratings
based on 9 reviews
Rating in categories
|
Officer
159
salaries
|  ₹2 L/yr - ₹7.5 L/yr |
|
Operations Executive
53
salaries
| ₹0.9 L/yr - ₹3 L/yr |
|
Clerk
50
salaries
| ₹1 L/yr - ₹3.2 L/yr |
|
Credit Officer
49
salaries
| ₹3.5 L/yr - ₹9 L/yr |
|
Training Officer
44
salaries
| ₹1.7 L/yr - ₹3.2 L/yr |
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