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Reasoning, quantitative skills, and English language proficiency.
To prepare for analyzing financial statements and balance sheets, one should have a strong understanding of accounting principles and financial ratios.
Understand basic accounting principles such as revenue recognition, accrual accounting, and matching principle.
Familiarize yourself with financial ratios like liquidity ratios, profitability ratios, and leverage ratios.
Learn how to interpret key financial statement compo...
I applied via Company Website and was interviewed in May 2024. There was 1 interview round.
MSME book by IIBF provides comprehensive information on Micro, Small and Medium Enterprises.
MSME book by IIBF covers various aspects of MSME sector such as financing, credit assessment, risk management, etc.
It also includes case studies and practical examples to help understand the concepts better.
The book is a valuable resource for credit managers looking to enhance their knowledge and skills in managing MSME credit.
I...
I applied via LinkedIn and was interviewed before Jun 2023. There was 1 interview round.
DSCR stands for Debt Service Coverage Ratio and ISCR stands for Interest Service Coverage Ratio.
DSCR measures a company's ability to pay its debt obligations with its operating income.
A DSCR of 1 means the company is just able to cover its debt payments, while a DSCR above 1 indicates the company has more income than debt obligations.
ISCR measures a company's ability to pay its interest expenses with its operating inco...
LTV ratio in LAP refers to the Loan to Value ratio in Loan Against Property.
LTV ratio is calculated by dividing the loan amount by the market value of the property.
It helps in determining the risk associated with the loan.
A lower LTV ratio indicates lower risk for the lender.
For example, if a property is valued at $500,000 and the loan amount is $300,000, the LTV ratio would be 60%.
I applied via Company Website and was interviewed before May 2021. There was 1 interview round.
Union Bank of India interview questions for designations
Top trending discussions
I applied via LinkedIn and was interviewed before Dec 2020. There was 1 interview round.
I would assess the applicant's creditworthiness based on their credit history, income, and debt-to-income ratio.
Check the applicant's credit score and credit report
Verify their income and employment status
Calculate their debt-to-income ratio
Consider any past delinquencies or bankruptcies
Assess the purpose of the loan and the likelihood of repayment
Review any collateral offered as security
I applied via Naukri.com and was interviewed in Nov 2019. There were 3 interview rounds.
I can process around 20-25 cases on a daily basis depending on the complexity of the cases.
The number of cases processed depends on the complexity of the cases.
On average, I can process around 20-25 cases per day.
I prioritize cases based on their urgency and importance.
Our approval rate is 85% and delinquency rate is 5% for the current product.
Our approval rate is higher than industry average.
We have strict credit checks in place to maintain low delinquency rate.
We continuously monitor and analyze our approval and delinquency rates to make necessary adjustments.
For example, we recently increased our credit score requirement to reduce delinquency rate.
I applied via LinkedIn and was interviewed before Nov 2021. There were 3 interview rounds.
You can just prepare well and be confident and you will get selected
I appeared for an interview before Apr 2016.
Important clauses in 3CD for loan sanctioning
Clause 4 - Purpose of loan
Clause 5 - Amount of loan
Clause 6 - Repayment terms
Clause 7 - Security for loan
Clause 8 - Interest rate
Clause 9 - Default and consequences
Profit and loss ratios are financial metrics used to assess the profitability of a company.
Profit ratio measures the percentage of profit earned on sales.
Gross profit ratio is calculated by dividing gross profit by net sales.
Net profit ratio indicates the percentage of net profit earned on sales.
Operating profit ratio measures the profitability of core operations.
Return on investment (ROI) is a common profitability rat
Concurrent audit is conducted during the course of business operations, while statutory audit is conducted at the end of the financial year.
Concurrent audit is performed concurrently with the operations of the organization.
Statutory audit is conducted to ensure compliance with legal and regulatory requirements.
Concurrent audit helps in detecting and preventing frauds and errors in real-time.
Statutory audit provides an ...
No, someone earning less than EMI should not take a loan.
Taking a loan when earning less than the EMI can lead to financial strain and difficulty in repayment.
It is important to have a stable income that can comfortably cover the loan repayment.
If someone is already struggling to meet their financial obligations, taking on additional debt can worsen their situation.
It is advisable to explore alternative options such as...
I applied via Campus Placement and was interviewed before May 2021. There was 1 interview round.
I appeared for an interview before Dec 2020.
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Assistant Manager
264
salaries
| ₹5 L/yr - ₹16 L/yr |
Senior Manager
251
salaries
| ₹9 L/yr - ₹35 L/yr |
Manager
177
salaries
| ₹7 L/yr - ₹24 L/yr |
Chief Manager
156
salaries
| ₹12 L/yr - ₹42 L/yr |
Branch Manager
97
salaries
| ₹7 L/yr - ₹24 L/yr |
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