Utkarsh Small Finance Bank Interview Questions, Process, and Tips

Q1. What is underwriting
Ans. 
Underwriting is the process of evaluating the risk of a loan or investment and determining if it meets the lender's criteria.
• Underwriting involves analyzing financial statements, credit reports, and other relevant information to determine the borrower's ability to repay the loan.

• The underwriter also assesses the value of the collateral and the overall market conditions.

• Examples of underwriting include mortgage underwri...read more
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Q2. How to assess the income of Assess the SENP segment
Ans. 
Assessing income of SENP segment
• Analyze income sources such as salary, investments, and rental income

• Consider debt-to-income ratio and credit history

• Look at demographic data and economic trends in the area

• Use financial statements and tax returns to verify income

• Compare income to expenses and debt obligations
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Q3. What is the three pillar of the any loan eligibility
Ans. 
The three pillars of loan eligibility are credit score, income, and collateral.
• Credit score: A good credit score indicates a borrower's ability to repay the loan.

• Income: Sufficient income is necessary to ensure timely loan repayments.

• Collateral: Providing collateral reduces the risk for the lender and increases loan eligibility.

• Example: A person with a high credit score, stable income, and valuable collateral has a hig
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Q4. What you find the in technical report
Ans. 
Technical reports should contain accurate and detailed information about a specific topic.
• Technical reports should have a clear and concise title

• The report should have an introduction that outlines the purpose and scope of the report

• The report should contain accurate and detailed information about the topic

• The report should have a conclusion that summarizes the findings and recommendations

• The report should be well-orga...read more
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Q5. How to check legal report and what is the incumbrance
Ans. 
To check legal report, obtain a copy from relevant authority and review for any legal issues. Incumbrance refers to any legal claims on property.
• Obtain a copy of the legal report from relevant authority

• Review the report for any legal issues such as pending lawsuits or liens

• Incumbrance refers to any legal claims on property such as mortgages or unpaid taxes
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Q6. Which document is mandatory for in case of the partnership firm
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Case study Details- Behavioral Case study round in which we are assessed on our performance of closing the leads of our products

Case analysis franchise

Case study product details & the budget for the whole year for example Rs 10000*12= 1 lakh 50000 whole year

Product Sales- Casa products Current Account & Savings Account products like credit cards, debit card & other financial services products like insurance, passbooks, locker & gold loans

Personal Form Filling- Name/Damayanti Suvam Banerjee
Martial Status/Married/Unmarried
Age-32
Place of Address-Mumbai & Navi Mumbai India

Thesis content on financial calculation & product details

Thesis continuation content

Q1. Ask questions about opration
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Q2. Risk audit opraton branch manage
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Ask previous company work

Q1. Opration, customer service and business
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Q1. Personal interview
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Q2. Interview as per Discussion question
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Q3. Branch team mangement
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