UBS Equity Research Associate Interview Questions and Answers

Quants logical, verbal ability, situation

Q1. Tell me something about yourself
Ans. 
I am a detail-oriented credit analyst with a strong background in financial analysis and risk assessment.
• I have a Bachelor's degree in Finance and have completed courses in credit analysis.

• I have experience analyzing financial statements, assessing creditworthiness, and making recommendations for loan approvals.

• I am proficient in using financial modeling software and Excel to analyze data and create reports.

• I have exce...read more
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Q2. Finance related balance sheet cash flow
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Q1. Difference Between public and private comapnies
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Public companies are listed on stock exchanges and have shares available for public trading, while private companies are not listed and have limited shareholders.
• Public companies have shares that are traded on stock exchanges, allowing for public ownership and trading.

• Private companies are not listed on stock exchanges and have limited shareholders, often including founders, employees, and private investors.

• Public comp...read more
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It was easy. Just basic Math and DI

Q1. How do you analyse liquidity of a company?
Ans. 
Analyzing liquidity involves assessing a company's ability to meet short-term financial obligations.
• Calculate current ratio (current assets / current liabilities)

• Assess quick ratio (liquid assets / current liabilities)

• Examine cash flow from operations to see if it covers short-term obligations

• Review working capital to determine if there are enough current assets to cover current liabilities
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Q2. Explain LTV and How to you analyse Home loan application?
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LTV stands for Loan-to-Value ratio. Analyzing a home loan application involves assessing the borrower's creditworthiness and the property's value.
• LTV is calculated by dividing the loan amount by the appraised value of the property.

• A lower LTV ratio indicates a lower risk for the lender.

• Analyzing a home loan application involves reviewing the borrower's credit score, income, debt-to-income ratio, employment history, and...read more
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Q1. About past experience and education
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Q1. They just asked me the introduction and my previous package
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Basic comprehensive english, reasoning etc

Q1. Introduce yourself
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Q2. Why american express
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Q3. Why do you want to switch
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Q4. Have you ever has a conflict with any of your coworker?
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Q5. What are the things you’d want your current manager to improve
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Q1. Run me through your thought process for a stock pick
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Situational reaction. Thought process & reasoning.

Q1. Ratios to identify a healthy company
Ans. 
Healthy companies have high liquidity, profitability, and solvency ratios.
• Liquidity ratios measure a company's ability to meet short-term obligations. Examples include current ratio and quick ratio.

• Profitability ratios measure a company's ability to generate profits. Examples include return on assets and return on equity.

• Solvency ratios measure a company's ability to meet long-term obligations. Examples include debt-to...read more
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Q2. Is better to take loan or raise equity for a manufacturing company
Ans. 
It depends on the company's financial situation and goals.
• If the company has a strong credit history and cash flow, a loan may be a better option as it allows the company to maintain ownership and control.

• If the company is in a growth phase and needs more capital, raising equity may be a better option as it brings in new investors and can provide more flexibility in terms of repayment.

• Ultimately, the decision should be...read more
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