Union Bank of India Bank Relationship Executive Interview Questions and Answers

Q1. WHAT YOUR SKILL ,ABILITIES KNOWLEDGE
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Q2. ASK GENRAL QUATION ABOUT ORGANIZATION AND JOB REQUIREMENT
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Q1. What Is The Time for interview
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Q2. What Is The Offer Letter
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An offer letter is a formal document that outlines the terms and conditions of a job offer.
• Contains details such as job title, salary, start date, benefits, and any conditions of employment.

• Typically includes a deadline for accepting the offer and instructions on how to do so.

• May also include information on background checks, drug tests, and other pre-employment requirements.
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Q3. Conframation Required
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Q4. Please Share Ditails On Mail..
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I will provide details on mail as requested.
• I will include all relevant information in the email.

• I will ensure the email is clear and concise.

• I will address any specific questions or concerns mentioned in the interview.
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Q5. My Notice Timeing 1 Month
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Q1. What Is the Job Loacstion
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Q2. My Experience Is 6 Years..
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Q1. What is working capital
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Working capital is the difference between a company's current assets and current liabilities.
• Working capital is essential for a company's day-to-day operations.

• It indicates the company's ability to meet its short-term financial obligations.

• Formula: Working Capital = Current Assets - Current Liabilities

• Examples: Cash, accounts receivable, inventory are current assets. Accounts payable, short-term loans are current liabi
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Q2. What is DSCR Ratio
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DSCR Ratio is Debt Service Coverage Ratio, a financial metric used to measure a company's ability to cover its debt obligations.
• DSCR Ratio is calculated by dividing a company's operating income by its total debt service payments.

• A DSCR Ratio of 1 or higher indicates that a company is generating enough income to cover its debt payments.

• Lenders typically look for a DSCR Ratio of 1.25 or higher when evaluating a company's
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Q1. Methods of working capital assessment.
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Working capital assessment involves analyzing a company's current assets and liabilities to determine its short-term financial health.
• Calculate current ratio (current assets / current liabilities)

• Analyze cash conversion cycle (CCC)

• Assess inventory turnover ratio

• Review accounts receivable turnover ratio

• Consider operating cash flow
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Q2. How do you source new customer?
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I source new customers through networking, referrals, cold calling, and attending industry events.
• Networking: Building relationships with professionals in related industries to gain referrals.

• Referrals: Asking existing customers for recommendations to their contacts.

• Cold calling: Reaching out to potential customers via phone or email.

• Industry events: Attending conferences, trade shows, and seminars to connect with pote
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Q3. What are the important financial ratios and their implications?
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Important financial ratios help assess a company's financial health and performance.
• Liquidity ratios measure a company's ability to meet short-term obligations (ex: current ratio, quick ratio)

• Profitability ratios assess a company's ability to generate profits (ex: return on equity, net profit margin)

• Debt ratios indicate a company's leverage and ability to repay debt (ex: debt to equity ratio, interest coverage ratio)

• Ef...read more
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Q4. Personal and educational background.
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100000 loan how much 20% of its

Why I hire you in bank sector

Q1. Based on Experience
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Q2. No of proposal procees
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Q1. Wealth management
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Q2. Product knowledge
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Q1. Where are i live in
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Q2. What is my experience and what I do on that time
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Q3. She take a spellings test
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Q1. Where are I live in?
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Q2. What is my last job experience?
Ans. 
I worked as a Customer Service Representative at a retail bank.
• Assisted customers with account inquiries and transactions

• Promoted bank products and services to customers

• Handled customer complaints and resolved issues

• Processed loan applications and account openings
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Q3. Which location is comfort for me
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