TCS Interview Questions and Answers

I have extensive knowledge about Products such as Home Loans, Loan Against Property, and Commercial Purchases.

• I am well-versed in the features and benefits of Home Loans, Loan Against Property, and Commercial Purchases.

• I understand the eligibility criteria and documentation required for each type of product.

• I have experience in structuring deals and providing customized solutions to meet the needs of clients.

• I am familiar with the market trends and competitive offerings in th...read more

I have a strong knowledge of various products including Home Loans, Loan Against Property, and Commercial Purchase loans.

• Extensive knowledge of eligibility criteria and documentation required for Home Loans

• Familiarity with different types of Loan Against Property options available in the market

• Understanding of the process involved in Commercial Purchase loans

• Experience in analyzing financial statements and creditworthiness of applicants

To increase business in branch, focus on customer relationship building, marketing strategies, and offering personalized services.

• Strengthen customer relationships through personalized interactions

• Implement targeted marketing strategies to attract new customers

• Offer customized financial solutions based on individual needs

• Organize events or workshops to engage with the community

• Provide excellent customer service to retain existing clients

LTV stands for Loan-to-Value ratio, which is a financial term used to assess the risk of a loan by comparing the loan amount to the appraised value of the asset being purchased.

• LTV is calculated by dividing the loan amount by the appraised value of the asset.

• It is commonly used in the mortgage industry to determine the risk of default on a loan.

• A lower LTV ratio indicates a lower risk for the lender, while a higher LTV ratio indicates a higher risk.

• For example, if a borrower ...read more

Fior is a term that refers to a type of financial instrument used in the banking industry.

• Fior stands for 'Financial Instrument Off-Balance Sheet'

• It is used by banks to manage their liquidity and risk exposure

• Fior can include options, futures, swaps, and other derivatives

• Banks use fior to hedge against market fluctuations and manage their assets