30+ Bharat Gold Mines Interview Questions and Answers

A mortgage is a loan used to purchase a property. A current owner search is a title search to determine the current owner of a property.

• A mortgage is a legal agreement in which a lender agrees to loan money to a borrower to purchase a property.

• A current owner search is a title search that determines the current owner of a property and any liens or encumbrances on the property.

• An update search is a title search that is conducted after a current owner search to ensure that ther...read more

Hearing is the physical act of perceiving sound while listening involves paying attention and interpreting the meaning of the sound.

• Hearing is passive while listening is active.

• Hearing is a physical process while listening is a mental process.

• Hearing can occur without conscious effort while listening requires concentration.

• Hearing is the first step in the listening process.

• Example: Hearing a car honk vs. listening to a friend's problems.

To create a CMDB table, define the attributes and their relationships. Attributes can be added to the CMDB based on their relevance.

• Identify the entities to be included in the CMDB

• Define the attributes for each entity

• Determine the relationships between the entities

• Create the table structure based on the defined attributes and relationships

• Add attributes to the CMDB based on their relevance and importance

The underwriter is responsible for assessing and evaluating mortgage loan applications to determine their risk and eligibility for approval.

• Reviewing and analyzing loan applications and supporting documents

• Verifying borrower's financial information, credit history, and employment details

• Assessing the property's value and condition

• Calculating the borrower's debt-to-income ratio

• Determining if the loan meets the lender's guidelines and government regulations

• Making recommendation...read more

An underwriter is a professional who assesses the risk of lending money and determines if a borrower qualifies for a mortgage loan.

• Underwriters review loan applications, financial documents, and credit reports to evaluate the borrower's ability to repay the loan.

• They analyze the borrower's income, employment history, debt-to-income ratio, and credit score.

• Underwriters also ensure that the loan meets the lender's guidelines and government regulations.

• They may request additiona...read more

Credit report details include credit score, payment history, credit utilization, account age, and derogatory marks.

• Credit score is a numerical representation of an individual's creditworthiness.

• Payment history shows whether the individual has made timely payments on their debts.

• Credit utilization ratio is the amount of credit being used compared to the total credit available.

• Account age indicates how long the individual has had credit accounts open.

• Derogatory marks are negati...read more

I will review the account and contact the debtor to discuss payment options.

• Review the account to determine the amount owed and the age of the debt

• Contact the debtor to discuss payment options and negotiate a payment plan

• Document all communication and follow up regularly to ensure payment is received

• Consider legal action if necessary

I have over 5 years of experience in financial analysis and project management, with a proven track record of driving successful outcomes.

• Introduced new financial reporting system resulting in 20% increase in efficiency

• Led cross-functional teams to deliver projects on time and within budget

• Managed client relationships and provided strategic financial advice

• Developed and implemented risk management strategies to mitigate potential threats

Title insurance is a type of insurance that protects the policyholder from financial loss due to defects in the title of a property.

• Title insurance is typically purchased during the closing process of a real estate transaction.

• It covers the policyholder for any issues that may arise with the title, such as liens, encumbrances, or other defects.

• Title insurance policies are typically issued for a one-time fee and last for as long as the policyholder or their heirs own the prope...read more

Program to remove string duplicates and explain difference between get and post

• Use a HashSet to store unique strings and remove duplicates

• GET requests are used to request data from a specified resource, while POST requests are used to submit data to a specified resource

• GET requests are visible in the URL, while POST requests are not

Program to find the square root of a number

• Use a mathematical formula like Newton's method or binary search to approximate the square root

• Handle edge cases like negative numbers or zero

• Consider using built-in functions or libraries for square root calculation

DevOps is a software development methodology that combines software development with IT operations to improve collaboration and efficiency.

• DevOps focuses on automating and streamlining the software development process

• Common DevOps tools include Jenkins, Docker, Ansible, Git, and Kubernetes

• DevOps aims to shorten the system development life cycle and provide continuous delivery of high-quality software

Teacher's income is calculated based on their salary, benefits, and any additional income sources.

• Teacher's salary is determined by their level of education and experience

• Benefits such as health insurance and retirement plans are also factored in

• Additional income sources may include coaching or tutoring

• Income may also vary based on location and type of school (public vs private)

Title search is the process of examining public records to verify a property's legal ownership and find any liens or encumbrances.

• Title search is conducted by a title company or attorney before a property sale or mortgage loan.

• It ensures that the seller has the legal right to sell the property and that there are no outstanding claims or debts on the property.

• Title search involves examining deeds, mortgages, tax records, court judgments, and other public records.

• If any issues ...read more

Security in microservice project involves authentication, authorization, encryption, and secure communication.

• Implement authentication and authorization mechanisms such as OAuth2 or JWT to control access to microservices.

• Use encryption techniques like TLS/SSL to secure data transmission between microservices.

• Implement secure communication protocols like HTTPS to prevent data interception.

• Regularly update and patch dependencies to address security vulnerabilities.

• Implement rat...read more

US mortgage refers to a loan provided by a financial institution to purchase a home or real estate property in the United States.

• US mortgage typically requires the borrower to make monthly payments towards the loan amount plus interest.

• The property being purchased is used as collateral for the loan.

• Interest rates for US mortgages can be fixed or adjustable.

• US mortgages can have different terms such as 15-year or 30-year loans.

• There are various types of US mortgage programs av...read more

I believe in constructive feedback that focuses on the error and not the person.

• Provide specific examples of the error and how it can be corrected

• Encourage open communication and ask for suggestions on how to improve

• Ensure that feedback is given in a private setting

• End the conversation on a positive note and express confidence in the team member's ability to improve

Yes, I am comfortable with n8 shift as I have prior experience working in night shifts.

• I have previous experience working in night shifts and have adapted to the schedule.

• I am able to maintain focus and productivity during night hours.

• I understand the importance of proper rest and have a routine to ensure I am well-rested for night shifts.

As a Scrum Master, I have extensive experience in facilitating Agile processes, ensuring team collaboration, and removing obstacles.

• Facilitating daily stand-up meetings, sprint planning, and retrospectives

• Coaching and mentoring team members on Agile principles and practices

• Removing impediments and ensuring the team has the necessary resources

• Promoting continuous improvement and fostering a culture of transparency

• Facilitating communication and collaboration between the develop...read more

A mortgage is a loan used to purchase a property, where the property itself serves as collateral for the loan.

• Mortgages are typically long-term loans, with repayment periods ranging from 15 to 30 years.

• Interest rates on mortgages can be fixed or adjustable, and are based on factors such as credit score and down payment.

• If the borrower fails to make payments on the mortgage, the lender can foreclose on the property and sell it to recoup their losses.

• Mortgages can be obtained f...read more

I manage escalations by identifying the root cause, communicating effectively, and finding a solution that satisfies all parties involved.

• Listen actively to the customer's concerns and empathize with their situation

• Identify the root cause of the escalation and take ownership of the issue

• Communicate effectively with all parties involved, including the customer, team members, and management

• Find a solution that satisfies all parties involved and implement it in a timely manner

• Fo...read more

Microservice architecture is an architectural style that structures an application as a collection of loosely coupled services.

• Each service is self-contained and can be developed, deployed, and scaled independently.

• Services communicate with each other over lightweight protocols like HTTP or messaging queues.

• Microservices allow for flexibility, scalability, and resilience in complex applications.

• Examples include Netflix, Amazon, and Uber, which have successfully implemented mi...read more

A mortgage is a loan taken out to buy property or land, where the property acts as collateral for the loan.

• Mortgages are typically long-term loans with fixed or adjustable interest rates.

• Failure to repay the loan can result in foreclosure, where the lender takes possession of the property.

• Common types of mortgages include fixed-rate mortgages, adjustable-rate mortgages, and government-insured mortgages like FHA loans.

• Mortgages involve monthly payments that include both princi...read more

OOPs principle is a programming paradigm based on the concept of objects, which can contain data in the form of fields and code in the form of procedures.

• Encapsulation: Bundling data and methods that operate on the data into a single unit.

• Inheritance: Ability of a class to inherit properties and behavior from another class.

• Polymorphism: Ability to present the same interface for different data types.

• Abstraction: Hiding the complex implementation details and showing only the ne...read more

A data lake is a centralized repository that allows you to store all your structured and unstructured data at any scale.

• Data lakes store raw data in its native format without the need to structure it beforehand

• Data lakes can store a variety of data types such as logs, images, videos, and more

• Data lakes enable data scientists to perform advanced analytics and machine learning on large datasets

A data warehouse is a centralized repository that stores structured and unstructured data from various sources for analysis and reporting.

• Data warehouse is used for decision-making and business intelligence purposes

• It consolidates data from different sources into a single database

• Data is organized in a way that is optimized for querying and analysis

• Examples include Amazon Redshift, Google BigQuery, and Snowflake

Migration involves planning, preparing, executing, and validating the transfer of data, applications, and services from one environment to another.

• Assess current environment and identify what needs to be migrated

• Plan migration strategy including timelines, resources, and potential risks

• Prepare data for migration by cleaning, organizing, and validating

• Execute migration process using tools and techniques such as scripting, automation, and manual intervention

• Validate migrated da...read more