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Ujjivan Small Finance Bank
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Ujjivan Small Finance Bank Senior Credit Officer Interview Questions and Answers
Ujjivan Small Finance Bank Senior Credit Officer Interview Experiences
1 interview found
Selected
I applied via Naukri.com and was interviewed before Jan 2022. There were 2 interview rounds.
(2 Questions)
- Q1. What is CIBIL score for credit
- Ans.
CIBIL score is a credit score used by lenders to evaluate the creditworthiness of borrowers.
CIBIL score is a 3-digit number ranging from 300 to 900.
It is based on an individual's credit history and repayment behavior.
Higher the score, higher the chances of getting a loan approved at a lower interest rate.
A score above 750 is considered good and below 600 is poor.
CIBIL score is one of the factors considered by lenders w...
- Q2. How to do Assessment of income
- Ans.
Assessment of income involves analyzing various sources of income and determining their reliability and consistency.
Gather information on all sources of income, including employment, investments, and rental properties.
Review tax returns, pay stubs, and bank statements to verify income.
Consider the stability and predictability of income sources.
Assess any potential risks or uncertainties that could impact income in the ...
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Senior Credit Officer Interview Questions & Answers
Utkarsh Small Finance Bank
Anonymous
posted on 25 May 2022
I applied via Walk-in and was interviewed in Aug 2022. There were 4 interview rounds.
In this holl return pepper of aptitude test
Give the information of perticular job form division head
(2 Questions)
- Q1. Divisional head ask questions related to the bank? HR questions?
- Q2. Who is the utkarsh CEO
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Selected
I applied via Walk-in and was interviewed before Mar 2023. There were 2 interview rounds.
(1 Question)
- Q1. Basic details, job role etc.
(1 Question)
- Q1. Previous job details
Sumit Kumar
Reasoning, quantitative skills, and English language proficiency.
(1 Question)
- Q1. How should one prepare for analyzing financial statements, balance sheets, and assessing limits?
IBPS takes test moderate to high
(2 Questions)
- 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...
- Q2. Why do you wan tot join banj
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Credit Manager Interview Questions & Answers
Jana Small Finance Bank
kuldeep patil
posted on 15 Aug 2024
(2 Questions)
- Q1. Introduction and knowledge
- Q2. Credit Underwriting
(1 Question)
- Q1. What documents to take for loan applications
- Ans.
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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Selected
I applied via LinkedIn and was interviewed in Jul 2023. There were 5 interview rounds.
Knowledge test fro banking industry
Type of customer and their behaviour
(1 Question)
- Q1. Financial knowledge
(1 Question)
- Q1. Salary discussion
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I applied via Referral and was interviewed in Mar 2023. There were 3 interview rounds.
Check skill for new job profile
(4 Questions)
- Q1. HR Session for new profile & HR demanded for Documents
- Q2. Last salary slip
- Q3. Resignation letter
- Q4. Updated Resume for job
Interview Preparation Tips
- Last job details
- Job profile
- Last CTC
- Team Management
- Working craiteria
- Office Atmosphere
Selected
I applied via Naukri.com and was interviewed in Jan 2023. There were 2 interview rounds.
(2 Questions)
- Q1. Tell me about yourself
- Q2. How will you analyse a Balance Sheet
- Ans.
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...
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Ujjivan Small Finance Bank Senior Credit Officer Reviews and Ratings
based on 5 reviews
Rating in categories
|
Credit Officer
358
salaries
|  ₹1.9 L/yr - ₹6 L/yr |
|
Relationship Officer
345
salaries
| ₹1.6 L/yr - ₹4.2 L/yr |
|
Collection Officer
327
salaries
| ₹0.8 L/yr - ₹4.5 L/yr |
|
Branch Manager
310
salaries
| ₹4.5 L/yr - ₹14.5 L/yr |
|
Customer Relationship Officer
285
salaries
| ₹1.2 L/yr - ₹4 L/yr |
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