Ujjivan Small Finance Bank Credit Operations Officer Interview Questions and Answers

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. Introduction and knowledge
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Q2. Credit Underwriting
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Q1. Asking about financial and ratio
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Q2. TOL/ATNW related to industry
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Q1. What documents to take for loan applications
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Documents required for loan applications include proof of income, identification, credit history, and collateral.
• Proof of income such as pay stubs or tax returns

• Identification documents like driver's license or passport

• Credit history report from credit bureaus

• Collateral documentation for secured loans
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Q1. Role and responsibilities
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Q2. Why leave job and RBI guidelines and what is family in microfinance Bank and
Ans. 
Leaving job and RBI guidelines are important factors in microfinance banking.
• Leaving a job may be due to career growth opportunities or better work-life balance.

• RBI guidelines are crucial for ensuring compliance and stability in the microfinance sector.

• Family in microfinance bank refers to the close-knit team of employees working towards a common goal.

• Supportive work environment and strong team dynamics are key aspects
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Q1. Tell me about yourself
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Q2. How will you analyse a Balance Sheet
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Analyzing a balance sheet involves examining assets, liabilities, and equity to determine financial health.
• Start by calculating the current ratio to assess liquidity

• Examine the debt-to-equity ratio to evaluate leverage

• Analyze the inventory turnover ratio to assess efficiency

• Look at the return on equity to evaluate profitability

• Compare the balance sheet to previous periods and industry benchmarks

• Consider any off-balance...read more
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Q1. Asked about how credit proposal is prepared for the key industry which you have worked on.
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Q2. Asked about family and education background.
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GK, GS,Math, reasoning, economy

Q1. What do you work this time.
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Q2. Please explain the bank and bank functions
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A bank is a financial institution that accepts deposits from the public and creates credit. Its functions include providing loans, accepting deposits, and facilitating transactions.
• Banks accept deposits from customers and pay interest on them

• They provide loans to individuals and businesses

• Banks facilitate transactions such as wire transfers, bill payments, and ATM withdrawals

• They offer various financial services such a...read more
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