Union Bank of India Credit Manager Interview Questions, Process, and Tips

Q1. What is DSCR and ISCR
Ans. 
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...read more
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Q2. LTV ratio in LAP
Ans. 
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%.
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Reasoning, quantitative skills, and English language proficiency.

Q1. How should one prepare for analyzing financial statements, balance sheets, and assessing limits?
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Q1. Refer MSME book iibf
Ans. 
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...read more
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Q1. If you are fresher then most questions asked about your subjects of graduation and post graduation. If you already worked for any banking or FI, then questions related to your last job will be asked.
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